Mid-Missouri 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 Construction concentration (Tier 1 capital + allowance): 4.39 percentage points higher than in Q1 2026, at 55.58%. Mid-Missouri Bank ranks 110th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Mid-Missouri Bank reported 80.53% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $679.9M |
| Net loans and leases | $671.8M |
| Loans held for sale | $3.6M |
| Loans to total assets | 71.82% |
| Loan-to-deposit ratio | 80.53% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.82% |
| Multifamily (5+ residential) | 2.61% |
| Commercial and industrial | 4.91% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 19.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.16% |
| Construction concentration (Tier 1 capital + allowance) | 55.58% |
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 | 6.39% |
| Interest income on loans | $10.7M |
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 | $632.3M | $835.7M | 34.62% | 8.21% | 1.24% |
| Q4 2023 | $655.2M | $833.1M | 35.48% | 7.39% | 1.14% |
| Q1 2024 | $665.9M | $831.4M | 36.03% | 6.30% | 1.13% |
| Q2 2024 | $675.5M | $843.0M | 35.51% | 6.12% | 1.07% |
| Q3 2024 | $654.8M | $857.0M | 34.35% | 6.33% | 1.07% |
| Q4 2024 | $656.0M | $842.2M | 33.66% | 6.82% | 0.99% |
| Q1 2025 | $652.1M | $844.0M | 32.77% | 6.32% | 0.96% |
| Q2 2025 | $658.6M | $828.2M | 32.08% | 6.56% | 0.99% |
| Q3 2025 | $652.4M | $837.2M | 31.63% | 6.46% | 0.99% |
| Q4 2025 | $658.6M | $826.9M | 31.80% | 6.43% | 1.00% |
| Q1 2026 | $663.5M | $836.9M | 31.45% | 5.92% | 1.01% |
| Q2 2026 | $679.9M | $844.3M | 30.82% | 4.91% | 0.97% |
Mid-Missouri Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Missouri 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-Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15584) · FFIEC NIC profile (RSSD 950141)