First State Bank of St. Charles, Missouri: 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): 4.05 percentage points higher than in Q1 2026, at 48.61%. On loan-to-deposit ratio, First State Bank of St. Charles, Missouri ranks 9th highest among the 192 banks headquartered in Missouri, at 107.67% (Q2 2026). First State Bank of St. Charles, Missouri reported 107.67% on loan-to-deposit ratio for Q2 2026, 26.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $431.5M |
| Net loans and leases | $425.2M |
| Loans held for sale | $41.1M |
| Loans to total assets | 80.62% |
| Loan-to-deposit ratio | 107.67% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.38% |
| Multifamily (5+ residential) | 1.45% |
| Commercial and industrial | 8.29% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.61% |
| Construction concentration (Tier 1 capital + allowance) | 21.55% |
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 | 5.85% |
| Interest income on loans | $6.4M |
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 | $460.0M | $398.0M | 14.37% | 7.55% | 0.14% |
| Q4 2023 | $460.8M | $389.0M | 13.83% | 6.92% | 0.16% |
| Q1 2024 | $465.5M | $384.0M | 13.99% | 6.70% | 0.16% |
| Q2 2024 | $474.6M | $385.3M | 13.01% | 6.96% | 0.24% |
| Q3 2024 | $463.9M | $407.3M | 13.27% | 7.33% | 0.13% |
| Q4 2024 | $448.8M | $391.3M | 13.57% | 7.52% | 0.14% |
| Q1 2025 | $447.8M | $400.2M | 13.58% | 7.86% | 0.15% |
| Q2 2025 | $443.1M | $407.4M | 13.74% | 8.33% | 0.15% |
| Q3 2025 | $435.6M | $407.1M | 15.16% | 7.94% | 0.11% |
| Q4 2025 | $444.2M | $423.2M | 14.24% | 7.99% | 0.19% |
| Q1 2026 | $449.4M | $422.8M | 13.72% | 8.05% | 0.13% |
| Q2 2026 | $431.5M | $400.8M | 14.38% | 8.29% | 0.14% |
First State Bank of St. Charles, Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of St. Charles, Missouri, 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 of St. Charles, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)