First State Bank and Trust Company, Inc.: 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.
Construction concentration (tier 1 capital + allowance) dropped 11.01 percentage points in Q2 2026, from 67.83% to 56.83%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, First State Bank and Trust Company, Inc. is 85th of 192 on loan-to-deposit ratio, 87.29% as of Q2 2026, above the middle of the field. First State Bank and Trust Company, Inc. reported 87.29% on loan-to-deposit ratio for Q2 2026, 6.34 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $487.7M |
| Net loans and leases | $481.1M |
| Loans held for sale | $0 |
| Loans to total assets | 74.01% |
| Loan-to-deposit ratio | 87.29% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.88% |
| Multifamily (5+ residential) | 1.06% |
| Commercial and industrial | 16.59% |
| Consumer | 2.23% |
| Credit cards | 0.11% |
| Farm | 16.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.50% |
| Construction concentration (Tier 1 capital + allowance) | 56.83% |
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 | 7.13% |
| Interest income on loans | $8.6M |
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 | $418.1M | $502.7M | 21.41% | 14.21% | 3.46% |
| Q4 2023 | $414.5M | $504.0M | 22.99% | 17.50% | 3.45% |
| Q1 2024 | $413.6M | $482.6M | 25.64% | 18.14% | 3.34% |
| Q2 2024 | $432.3M | $505.5M | 22.86% | 17.89% | 3.24% |
| Q3 2024 | $449.3M | $508.7M | 21.74% | 18.14% | 3.04% |
| Q4 2024 | $442.7M | $524.3M | 22.64% | 18.51% | 3.05% |
| Q1 2025 | $438.8M | $519.5M | 21.90% | 18.33% | 2.91% |
| Q2 2025 | $444.0M | $526.5M | 19.19% | 16.98% | 2.75% |
| Q3 2025 | $455.7M | $547.0M | 18.36% | 16.71% | 2.44% |
| Q4 2025 | $461.7M | $556.5M | 18.54% | 17.66% | 2.48% |
| Q1 2026 | $468.2M | $541.9M | 19.36% | 18.48% | 2.36% |
| Q2 2026 | $487.7M | $558.7M | 19.88% | 16.59% | 2.23% |
First State Bank and Trust Company, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust Company, Inc., 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 State Bank and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14185) · FFIEC NIC profile (RSSD 489548)