First Midwest Bank of the Ozarks: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.46 percentage points lower than in Q1 2026, at 183.93%. First Midwest Bank of the Ozarks ranks 28th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 98.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Midwest Bank of the Ozarks sits 17.25 points higher, at 98.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $634.2M |
| Net loans and leases | $626.2M |
| Loans held for sale | $0 |
| Loans to total assets | 86.50% |
| Loan-to-deposit ratio | 98.09% |
| Net loans to equity capital | 7.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.57% |
| Multifamily (5+ residential) | 3.70% |
| Commercial and industrial | 22.70% |
| Consumer | 3.67% |
| Credit cards | 0.04% |
| Farm | 5.02% |
| Loans to depository institutions | 0.23% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.93% |
| Construction concentration (Tier 1 capital + allowance) | 58.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $10.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $617.4M | $619.7M | 21.48% | 20.66% | 4.17% |
| Q4 2023 | $620.9M | $623.7M | 22.44% | 19.83% | 4.10% |
| Q1 2024 | $618.9M | $627.6M | 22.76% | 19.57% | 4.10% |
| Q2 2024 | $603.1M | $618.1M | 22.93% | 19.92% | 4.30% |
| Q3 2024 | $611.1M | $616.5M | 22.26% | 19.86% | 4.25% |
| Q4 2024 | $618.9M | $626.4M | 21.93% | 21.41% | 4.26% |
| Q1 2025 | $625.4M | $644.5M | 22.95% | 20.97% | 4.22% |
| Q2 2025 | $617.3M | $646.3M | 22.59% | 21.81% | 4.21% |
| Q3 2025 | $617.1M | $650.5M | 21.83% | 21.60% | 4.20% |
| Q4 2025 | $606.2M | $655.7M | 21.43% | 20.83% | 4.09% |
| Q1 2026 | $613.8M | $656.0M | 22.77% | 20.31% | 3.88% |
| Q2 2026 | $634.2M | $646.6M | 22.57% | 22.70% | 3.67% |
First Midwest Bank of the Ozarks loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Midwest Bank of the Ozarks, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Midwest Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19212) · FFIEC NIC profile (RSSD 228158)