Metz Banking Company: 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): 1.85 percentage points higher than in Q1 2026, at 7.43%. Metz Banking Company ranks 145th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Metz Banking Company sits 7.46 points lower, at 73.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.3M |
| Net loans and leases | $75.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.03% |
| Loan-to-deposit ratio | 73.38% |
| Net loans to equity capital | 5.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.06% |
| Multifamily (5+ residential) | 3.03% |
| Commercial and industrial | 11.91% |
| Consumer | 1.40% |
| Credit cards | 0.00% |
| Farm | 29.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.31% |
| Construction concentration (Tier 1 capital + allowance) | 7.43% |
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 | 6.64% |
| Interest income on loans | $1.3M |
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 | $71.3M | $86.6M | 27.65% | 9.92% | 1.67% |
| Q4 2023 | $73.0M | $88.6M | 27.06% | 9.95% | 1.33% |
| Q1 2024 | $75.4M | $87.8M | 26.85% | 11.48% | 1.25% |
| Q2 2024 | $76.6M | $87.9M | 26.62% | 11.19% | 1.35% |
| Q3 2024 | $75.8M | $91.6M | 27.42% | 10.69% | 1.32% |
| Q4 2024 | $74.2M | $93.1M | 25.98% | 10.66% | 1.28% |
| Q1 2025 | $75.5M | $94.1M | 25.68% | 10.72% | 1.19% |
| Q2 2025 | $77.4M | $98.3M | 25.42% | 9.92% | 1.32% |
| Q3 2025 | $75.7M | $98.1M | 27.32% | 10.21% | 1.39% |
| Q4 2025 | $75.7M | $97.2M | 27.34% | 10.92% | 1.33% |
| Q1 2026 | $74.5M | $102.9M | 28.11% | 12.36% | 1.37% |
| Q2 2026 | $76.3M | $104.0M | 27.06% | 11.91% | 1.40% |
Metz Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Metz Banking Company, 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 Metz Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1945) · FFIEC NIC profile (RSSD 772754)