Lead 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) dropped 5.65 percentage points in Q2 2026, from 133.28% to 127.63%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Lead Bank is 13th from the bottom among 191 Missouri banks, 46.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lead Bank sits 42.09 points lower, at 46.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.11B |
| Loans held for sale | $289.4M |
| Loans to total assets | 41.17% |
| Loan-to-deposit ratio | 46.11% |
| Net loans to equity capital | 4.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.64% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 4.37% |
| Consumer | 62.62% |
| Credit cards | 25.84% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.63% |
| Construction concentration (Tier 1 capital + allowance) | 40.45% |
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 | 12.01% |
| Interest income on loans | $38.3M |
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 | $664.2M | $794.3M | 15.49% | 5.29% | 58.15% |
| Q4 2023 | $691.3M | $764.2M | 15.16% | 7.03% | 57.20% |
| Q1 2024 | $684.0M | $873.6M | 14.48% | 6.26% | 60.18% |
| Q2 2024 | $715.0M | $867.9M | 12.76% | 5.96% | 62.19% |
| Q3 2024 | $718.8M | $949.2M | 13.54% | 5.75% | 63.20% |
| Q4 2024 | $764.4M | $1.39B | 14.53% | 5.53% | 62.52% |
| Q1 2025 | $806.5M | $1.54B | 17.00% | 4.78% | 61.14% |
| Q2 2025 | $897.3M | $1.53B | 15.94% | 3.79% | 63.22% |
| Q3 2025 | $906.9M | $1.71B | 16.26% | 3.87% | 64.29% |
| Q4 2025 | $1.07B | $2.33B | 16.04% | 4.96% | 65.89% |
| Q1 2026 | $1.09B | $2.39B | 16.96% | 4.49% | 64.79% |
| Q2 2026 | $1.14B | $2.46B | 17.64% | 4.37% | 62.62% |
Lead Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lead 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 Lead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8283) · FFIEC NIC profile (RSSD 893855)