Homepride 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.
Cre concentration (tier 1 capital + allowance) climbed 10.90 percentage points in Q2 2026, from 70.05% to 80.94%. It was the largest change from Q1 2026 among the key lines here. Homepride Bank ranks 100th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 84.80% (Q2 2026). Homepride Bank reported 84.80% on loan-to-deposit ratio for Q2 2026, 3.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $94.9M |
| Net loans and leases | $93.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.78% |
| Loan-to-deposit ratio | 84.80% |
| Net loans to equity capital | 7.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.26% |
| Multifamily (5+ residential) | 2.12% |
| Commercial and industrial | 6.15% |
| Consumer | 2.65% |
| Credit cards | 0.00% |
| Farm | 6.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.94% |
| Construction concentration (Tier 1 capital + allowance) | 36.96% |
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 | 6.95% |
| Interest income on loans | $1.7M |
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 | $98.3M | $96.1M | 8.08% | 1.94% | 4.61% |
| Q4 2023 | $98.7M | $96.8M | 8.92% | 1.78% | 4.38% |
| Q1 2024 | $96.4M | $102.5M | 8.13% | 1.82% | 4.17% |
| Q2 2024 | $98.8M | $103.5M | 7.83% | 2.31% | 3.94% |
| Q3 2024 | $96.6M | $101.6M | 7.97% | 2.55% | 4.03% |
| Q4 2024 | $98.5M | $101.3M | 7.75% | 2.52% | 3.59% |
| Q1 2025 | $97.7M | $108.6M | 7.87% | 2.20% | 4.17% |
| Q2 2025 | $98.1M | $108.1M | 7.26% | 3.58% | 4.28% |
| Q3 2025 | $96.3M | $107.1M | 8.67% | 2.01% | 3.88% |
| Q4 2025 | $95.7M | $110.4M | 9.51% | 3.55% | 2.96% |
| Q1 2026 | $95.5M | $112.4M | 9.80% | 3.77% | 3.09% |
| Q2 2026 | $94.9M | $112.0M | 9.26% | 6.15% | 2.65% |
Homepride Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homepride 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 Homepride Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11466) · FFIEC NIC profile (RSSD 747051)