Mid America 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): 8.21 percentage points lower than in Q1 2026, at 203.59%. Within Missouri, Mid America Bank is 117th of 192 on loan-to-deposit ratio, 79.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Mid America Bank sits 8.45 points lower, at 79.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $823.7M |
| Net loans and leases | $814.3M |
| Loans held for sale | $829K |
| Loans to total assets | 69.72% |
| Loan-to-deposit ratio | 79.75% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.82% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 16.60% |
| Consumer | 1.66% |
| Credit cards | 0.00% |
| Farm | 5.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.59% |
| Construction concentration (Tier 1 capital + allowance) | 108.28% |
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 | — |
| Interest income on loans | $14.1M |
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 | $708.7M | $726.1M | 25.74% | 17.01% | 3.28% |
| Q4 2023 | $718.0M | $812.1M | 25.23% | 17.51% | 3.39% |
| Q1 2024 | $723.1M | $840.5M | 24.55% | 17.53% | 3.15% |
| Q2 2024 | $734.0M | $769.7M | 24.40% | 17.30% | 2.86% |
| Q3 2024 | $732.0M | $789.6M | 25.42% | 16.22% | 2.54% |
| Q4 2024 | $727.9M | $847.5M | 23.10% | 17.01% | 2.50% |
| Q1 2025 | $744.5M | $935.0M | 24.12% | 18.29% | 2.14% |
| Q2 2025 | $756.3M | $808.0M | 23.40% | 17.67% | 2.07% |
| Q3 2025 | $778.2M | $896.1M | 23.20% | 17.62% | 1.90% |
| Q4 2025 | $800.6M | $967.2M | 22.83% | 17.39% | 1.69% |
| Q1 2026 | $809.0M | $1.05B | 24.40% | 17.18% | 1.69% |
| Q2 2026 | $823.7M | $1.03B | 24.82% | 16.60% | 1.66% |
Mid America Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid America 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 Mid America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11459) · FFIEC NIC profile (RSSD 873259)