Grand Missouri 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 Loan-to-deposit ratio: 2.91 percentage points lower than in Q1 2026, at 97.12%. Within Missouri, Grand Missouri Bank is 32nd of 192 on loan-to-deposit ratio, 97.12% as of Q2 2026, above the middle of the field. Grand Missouri Bank reported 97.12% on loan-to-deposit ratio for Q2 2026, 16.28 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.3M |
| Net loans and leases | $121.9M |
| Loans held for sale | $0 |
| Loans to total assets | 81.62% |
| Loan-to-deposit ratio | 97.12% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.90% |
| Multifamily (5+ residential) | 1.86% |
| Commercial and industrial | 9.02% |
| Consumer | 1.78% |
| Credit cards | 0.00% |
| Farm | 11.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.55% |
| Construction concentration (Tier 1 capital + allowance) | 49.67% |
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 | $2.3M |
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 | $75.3M | $64.9M | 21.52% | 7.77% | 2.60% |
| Q4 2023 | $80.2M | $74.6M | 20.62% | 7.97% | 2.92% |
| Q1 2024 | $83.3M | $88.5M | 20.81% | 7.49% | 2.82% |
| Q2 2024 | $87.2M | $87.2M | 19.62% | 8.02% | 2.97% |
| Q3 2024 | $94.8M | $93.2M | 18.29% | 10.64% | 2.42% |
| Q4 2024 | $99.5M | $99.9M | 19.28% | 12.02% | 2.28% |
| Q1 2025 | $102.0M | $102.6M | 19.98% | 9.62% | 2.30% |
| Q2 2025 | $101.3M | $101.3M | 20.13% | 10.22% | 2.22% |
| Q3 2025 | $107.4M | $107.3M | 19.02% | 9.95% | 2.07% |
| Q4 2025 | $113.2M | $111.9M | 20.23% | 9.76% | 1.87% |
| Q1 2026 | $115.8M | $115.8M | 20.33% | 8.87% | 2.26% |
| Q2 2026 | $123.3M | $127.0M | 18.90% | 9.02% | 1.78% |
Grand Missouri Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Missouri 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 Grand Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11003) · FFIEC NIC profile (RSSD 365950)