The Maries County 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 6.79 percentage points in Q2 2026, from 65.86% to 72.66%. It was the largest change from Q1 2026 among the key lines here. The Maries County Bank ranks 142nd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.68% (Q2 2026). The Maries County Bank reported 73.68% on loan-to-deposit ratio for Q2 2026, 7.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $382.1M |
| Net loans and leases | $376.3M |
| Loans held for sale | $146K |
| Loans to total assets | 63.62% |
| Loan-to-deposit ratio | 73.68% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.35% |
| Multifamily (5+ residential) | 1.67% |
| Commercial and industrial | 5.94% |
| Consumer | 11.13% |
| Credit cards | 0.00% |
| Farm | 25.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.66% |
| Construction concentration (Tier 1 capital + allowance) | 28.63% |
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 | 7.52% |
| Interest income on loans | $7.1M |
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 | $308.6M | $498.6M | 16.43% | 6.79% | 14.80% |
| Q4 2023 | $308.8M | $512.7M | 16.26% | 6.66% | 14.77% |
| Q1 2024 | $313.0M | $524.8M | 16.43% | 6.90% | 14.63% |
| Q2 2024 | $332.3M | $516.8M | 19.66% | 7.03% | 14.06% |
| Q3 2024 | $339.5M | $504.6M | 20.21% | 6.73% | 13.87% |
| Q4 2024 | $345.9M | $530.0M | 19.83% | 6.46% | 13.57% |
| Q1 2025 | $348.9M | $531.7M | 19.85% | 6.43% | 13.41% |
| Q2 2025 | $351.3M | $524.1M | 20.51% | 6.38% | 12.92% |
| Q3 2025 | $358.8M | $521.5M | 20.71% | 6.26% | 12.45% |
| Q4 2025 | $364.8M | $525.9M | 20.60% | 6.18% | 12.11% |
| Q1 2026 | $370.1M | $520.1M | 21.24% | 5.97% | 11.71% |
| Q2 2026 | $382.1M | $518.5M | 21.35% | 5.94% | 11.13% |
The Maries County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Maries County 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 The Maries County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8576) · FFIEC NIC profile (RSSD 441359)