Goppert Financial 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.
The standout move of Q2 2026 was in Farm: 2.79 percentage points higher than in Q1 2026, at 45.01%. Within Missouri, Goppert Financial Bank is 134th of 192 on loan-to-deposit ratio, 75.34% as of Q2 2026, below the middle of the field. Goppert Financial Bank reported 75.34% on loan-to-deposit ratio for Q2 2026, 5.50 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $202.9M |
| Net loans and leases | $200.7M |
| Loans held for sale | $0 |
| Loans to total assets | 65.01% |
| Loan-to-deposit ratio | 75.34% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.60% |
| Multifamily (5+ residential) | 0.27% |
| Commercial and industrial | 17.43% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 45.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.75% |
| Construction concentration (Tier 1 capital + allowance) | 29.43% |
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 | — |
| Interest income on loans | $3.4M |
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 | $144.0M | $215.4M | 8.03% | 19.15% | 0.76% |
| Q4 2023 | $141.7M | $222.7M | 7.61% | 20.13% | 0.81% |
| Q1 2024 | $148.6M | $219.3M | 6.70% | 19.44% | 0.81% |
| Q2 2024 | $151.9M | $223.1M | 7.55% | 21.79% | 0.78% |
| Q3 2024 | $158.1M | $226.5M | 7.65% | 19.55% | 0.83% |
| Q4 2024 | $158.0M | $235.0M | 6.96% | 19.23% | 0.90% |
| Q1 2025 | $162.3M | $237.2M | 6.63% | 20.37% | 0.82% |
| Q2 2025 | $172.8M | $241.1M | 7.68% | 19.90% | 0.72% |
| Q3 2025 | $182.9M | $243.4M | 7.74% | 19.07% | 0.70% |
| Q4 2025 | $185.0M | $254.4M | 8.62% | 18.66% | 0.74% |
| Q1 2026 | $196.2M | $268.0M | 7.94% | 17.62% | 0.79% |
| Q2 2026 | $202.9M | $269.3M | 7.60% | 17.43% | 0.76% |
Goppert Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Goppert Financial 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 Goppert Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8569) · FFIEC NIC profile (RSSD 815053)