Home Savings and Loan Association of Carroll County, F.A.: 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 Construction concentration (Tier 1 capital + allowance): 6.29 percentage points lower than in Q1 2026, at 4.01%. Within Missouri, Home Savings and Loan Association of Carroll County, F.A. is 115th of 192 on loan-to-deposit ratio, 79.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Home Savings and Loan Association of Carroll County, F.A. reported 79.91% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.2M |
| Net loans and leases | $88.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.87% |
| Loan-to-deposit ratio | 79.91% |
| Net loans to equity capital | 4.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.98% |
| Multifamily (5+ residential) | 0.74% |
| Commercial and industrial | 4.92% |
| Consumer | 4.33% |
| Credit cards | 0.00% |
| Farm | 17.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.71% |
| Construction concentration (Tier 1 capital + allowance) | 4.01% |
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 | 6.58% |
| Interest income on loans | $1.5M |
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 | $82.9M | $91.2M | 9.87% | 3.22% | 5.92% |
| Q4 2023 | $84.8M | $96.0M | 9.81% | 3.19% | 5.38% |
| Q1 2024 | $87.4M | $98.8M | 9.65% | 3.42% | 5.19% |
| Q2 2024 | $87.6M | $99.8M | 9.53% | 3.40% | 5.39% |
| Q3 2024 | $86.2M | $101.2M | 9.74% | 3.74% | 4.97% |
| Q4 2024 | $86.3M | $103.7M | 10.50% | 3.65% | 5.06% |
| Q1 2025 | $85.1M | $107.5M | 10.43% | 3.88% | 4.74% |
| Q2 2025 | $88.0M | $106.5M | 9.86% | 4.92% | 5.01% |
| Q3 2025 | $89.7M | $104.8M | 10.54% | 4.68% | 4.70% |
| Q4 2025 | $87.7M | $111.2M | 9.41% | 5.04% | 4.83% |
| Q1 2026 | $88.0M | $113.8M | 9.62% | 4.85% | 4.44% |
| Q2 2026 | $89.2M | $111.6M | 10.98% | 4.92% | 4.33% |
Home Savings and Loan Association of Carroll County, F.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings and Loan Association of Carroll County, F.A., 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 Home Savings and Loan Association of Carroll County, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27898) · FFIEC NIC profile (RSSD 612878)