Midwest Regional 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.
Loans held for sale climbed 67.6% in Q2 2026, from $2.0M to $3.3M. It was the largest change from Q1 2026 among the key lines here. Midwest Regional Bank ranks 68th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Midwest Regional Bank sits 10.39 points higher, at 91.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $766.5M |
| Net loans and leases | $747.0M |
| Loans held for sale | $3.3M |
| Loans to total assets | 80.77% |
| Loan-to-deposit ratio | 91.23% |
| Net loans to equity capital | 7.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.26% |
| Multifamily (5+ residential) | 8.10% |
| Commercial and industrial | 19.70% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 311.50% |
| Construction concentration (Tier 1 capital + allowance) | 138.20% |
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 | 7.03% |
| Interest income on loans | $13.9M |
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 | $809.9M | $872.7M | 40.14% | 18.68% | 0.25% |
| Q4 2023 | $835.5M | $830.5M | 39.08% | 18.32% | 0.23% |
| Q1 2024 | $870.6M | $939.8M | 40.82% | 17.89% | 0.22% |
| Q2 2024 | $875.5M | $950.6M | 39.74% | 18.98% | 0.21% |
| Q3 2024 | $895.0M | $972.4M | 38.99% | 18.51% | 0.19% |
| Q4 2024 | $905.1M | $979.9M | 39.45% | 18.93% | 0.19% |
| Q1 2025 | $895.6M | $975.2M | 38.02% | 18.72% | 0.19% |
| Q2 2025 | $920.9M | $982.9M | 40.07% | 18.10% | 0.19% |
| Q3 2025 | $894.1M | $949.7M | 40.30% | 19.79% | 0.21% |
| Q4 2025 | $854.8M | $909.0M | 39.81% | 19.37% | 0.23% |
| Q1 2026 | $803.7M | $859.7M | 43.18% | 20.40% | 0.22% |
| Q2 2026 | $766.5M | $840.1M | 43.26% | 19.70% | 0.24% |
Midwest Regional Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Regional 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 Midwest Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8889) · FFIEC NIC profile (RSSD 691958)