First State 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.
Construction concentration (tier 1 capital + allowance) dropped 5.80 percentage points in Q2 2026, from 46.21% to 40.41%. It was the largest change from Q1 2026 among the key lines here. First State Bank of the Ozarks ranks 114th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.19% (Q2 2026). At 80.19%, First State Bank of the Ozarks's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $177.1M |
| Net loans and leases | $175.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.15% |
| Loan-to-deposit ratio | 80.19% |
| Net loans to equity capital | 9.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.94% |
| Multifamily (5+ residential) | 5.56% |
| Commercial and industrial | 16.22% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 20.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.33% |
| Construction concentration (Tier 1 capital + allowance) | 40.41% |
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 | 7.07% |
| Interest income on loans | $3.1M |
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 | $150.5M | $185.8M | 18.00% | 18.67% | 1.23% |
| Q4 2023 | $154.4M | $187.1M | 17.14% | 17.39% | 1.23% |
| Q1 2024 | $148.7M | $194.9M | 17.76% | 17.31% | 1.22% |
| Q2 2024 | $151.2M | $206.0M | 20.44% | 16.95% | 1.18% |
| Q3 2024 | $149.1M | $213.6M | 18.82% | 16.89% | 1.27% |
| Q4 2024 | $153.2M | $208.0M | 18.77% | 17.36% | 1.20% |
| Q1 2025 | $147.4M | $213.3M | 16.58% | 18.24% | 1.19% |
| Q2 2025 | $153.4M | $211.6M | 16.89% | 18.36% | 1.23% |
| Q3 2025 | $156.1M | $213.7M | 16.89% | 17.35% | 1.18% |
| Q4 2025 | $161.4M | $212.0M | 18.18% | 15.71% | 1.11% |
| Q1 2026 | $173.0M | $215.1M | 19.27% | 15.52% | 0.97% |
| Q2 2026 | $177.1M | $220.8M | 17.94% | 16.22% | 0.93% |
First State 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 State 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 State Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16162) · FFIEC NIC profile (RSSD 400057)