Flat Branch Bank: 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) climbed 8.16 percentage points in Q2 2026, from 67.73% to 75.88%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Flat Branch Bank is 142nd of 191 on loan-to-deposit ratio, 73.50% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Flat Branch Bank sits 6.18 points higher, at 73.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.2M |
| Net loans and leases | $57.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.75% |
| Loan-to-deposit ratio | 73.50% |
| Net loans to equity capital | 4.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.95% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.60% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 3.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.88% |
| Construction concentration (Tier 1 capital + allowance) | 75.88% |
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 | 7.86% |
| Interest income on loans | $1.1M |
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 | $13.4M | $35.4M | 3.26% | 11.40% | 8.35% |
| Q4 2023 | $13.2M | $32.2M | 3.08% | 11.56% | 7.77% |
| Q1 2024 | $11.7M | $35.8M | 10.60% | 5.07% | 8.41% |
| Q2 2024 | $13.9M | $55.9M | 12.64% | 3.32% | 6.47% |
| Q3 2024 | $19.8M | $68.9M | 12.73% | 3.91% | 4.88% |
| Q4 2024 | $25.8M | $75.5M | 2.16% | 16.18% | 3.72% |
| Q1 2025 | $30.8M | $77.7M | 1.78% | 19.37% | 3.04% |
| Q2 2025 | $37.3M | $84.0M | 1.55% | 16.51% | 2.46% |
| Q3 2025 | $40.5M | $82.9M | 3.66% | 2.77% | 2.12% |
| Q4 2025 | $48.4M | $81.5M | 3.50% | 7.44% | 1.50% |
| Q1 2026 | $54.7M | $79.6M | 7.74% | 13.92% | 1.50% |
| Q2 2026 | $58.2M | $79.2M | 9.95% | 16.60% | 1.57% |
Flat Branch Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Flat Branch Bank, 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 Flat Branch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15751) · FFIEC NIC profile (RSSD 786256)