Midwest Independent Bankersbank: 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.
Loans to total assets dropped 4.69 percentage points in Q2 2026, from 76.04% to 71.35%. It was the largest change from Q1 2026 among the key lines here. Midwest Independent Bankersbank ranks 51st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 93.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Midwest Independent Bankersbank sits 13.06 points higher, at 93.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $243.6M |
| Net loans and leases | $238.9M |
| Loans held for sale | $0 |
| Loans to total assets | 71.35% |
| Loan-to-deposit ratio | 93.90% |
| Net loans to equity capital | 4.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.71% |
| Multifamily (5+ residential) | 7.00% |
| Commercial and industrial | 2.12% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 1.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.92% |
| Construction concentration (Tier 1 capital + allowance) | 27.98% |
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 | $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 | $192.2M | $214.6M | 18.83% | 4.17% | 0.00% |
| Q4 2023 | $195.7M | $209.8M | 18.29% | 2.76% | 0.00% |
| Q1 2024 | $206.0M | $245.4M | 17.91% | 2.67% | 0.00% |
| Q2 2024 | $204.4M | $232.3M | 18.11% | 2.80% | 0.11% |
| Q3 2024 | $218.7M | $214.2M | 22.28% | 1.92% | 0.10% |
| Q4 2024 | $228.9M | $226.8M | 22.63% | 1.46% | 0.11% |
| Q1 2025 | $250.0M | $245.0M | 26.75% | 1.28% | 0.47% |
| Q2 2025 | $252.1M | $292.3M | 23.87% | 1.34% | 0.44% |
| Q3 2025 | $256.4M | $268.8M | 23.36% | 0.94% | 0.41% |
| Q4 2025 | $258.3M | $267.3M | 23.65% | 1.33% | 0.38% |
| Q1 2026 | $258.2M | $272.2M | 23.01% | 1.72% | 0.37% |
| Q2 2026 | $243.6M | $259.4M | 26.71% | 2.12% | 0.39% |
Midwest Independent Bankersbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Independent Bankersbank, 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 Midwest Independent Bankersbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25849) · FFIEC NIC profile (RSSD 977250)