Ma 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 CRE concentration (Tier 1 capital + allowance): 4.75 percentage points higher than in Q1 2026, at 97.04%. Ma Bank ranks 165th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 64.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Ma Bank sits 16.12 points lower, at 64.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.9M |
| Net loans and leases | $232.6M |
| Loans held for sale | $0 |
| Loans to total assets | 56.53% |
| Loan-to-deposit ratio | 64.72% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.37% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 5.77% |
| Consumer | 3.87% |
| Credit cards | 0.18% |
| Farm | 45.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.04% |
| Construction concentration (Tier 1 capital + allowance) | 20.86% |
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 | 6.63% |
| Interest income on loans | $3.8M |
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 | $168.2M | $312.8M | 12.38% | 7.54% | 5.09% |
| Q4 2023 | $173.9M | $316.3M | 13.12% | 6.71% | 4.81% |
| Q1 2024 | $179.4M | $316.4M | 13.88% | 6.83% | 4.69% |
| Q2 2024 | $186.1M | $316.5M | 14.06% | 7.29% | 4.89% |
| Q3 2024 | $186.7M | $325.7M | 14.04% | 6.50% | 4.85% |
| Q4 2024 | $194.1M | $341.8M | 14.12% | 6.29% | 4.46% |
| Q1 2025 | $198.3M | $346.1M | 13.63% | 5.93% | 4.33% |
| Q2 2025 | $204.6M | $339.6M | 14.15% | 6.22% | 4.43% |
| Q3 2025 | $205.4M | $329.6M | 12.95% | 6.35% | 4.41% |
| Q4 2025 | $217.1M | $359.8M | 12.79% | 5.84% | 4.24% |
| Q1 2026 | $224.1M | $363.7M | 13.37% | 5.67% | 4.22% |
| Q2 2026 | $235.9M | $364.5M | 13.37% | 5.77% | 3.87% |
Ma Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ma 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 Ma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14695) · FFIEC NIC profile (RSSD 34555)