The 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.
Loan-to-deposit ratio climbed 2.69 percentage points in Q2 2026, from 75.21% to 77.91%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Missouri Bank is 126th of 192 on loan-to-deposit ratio, 77.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Missouri Bank sits 2.93 points lower, at 77.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.1M |
| Net loans and leases | $310.2M |
| Loans held for sale | $0 |
| Loans to total assets | 68.07% |
| Loan-to-deposit ratio | 77.91% |
| Net loans to equity capital | 5.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.73% |
| Multifamily (5+ residential) | 3.81% |
| Commercial and industrial | 3.75% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 12.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 219.49% |
| Construction concentration (Tier 1 capital + allowance) | 62.67% |
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 | 6.45% |
| Interest income on loans | $5.1M |
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 | $244.6M | $358.0M | 35.58% | 4.76% | 1.00% |
| Q4 2023 | $260.4M | $384.6M | 34.05% | 6.86% | 0.88% |
| Q1 2024 | $259.8M | $375.8M | 37.30% | 4.74% | 0.75% |
| Q2 2024 | $265.6M | $371.7M | 35.01% | 5.41% | 0.75% |
| Q3 2024 | $270.6M | $374.0M | 34.94% | 5.52% | 0.78% |
| Q4 2024 | $278.0M | $419.6M | 33.57% | 4.85% | 0.75% |
| Q1 2025 | $289.3M | $405.1M | 35.44% | 5.02% | 0.70% |
| Q2 2025 | $299.0M | $418.2M | 35.90% | 4.56% | 0.65% |
| Q3 2025 | $305.3M | $413.8M | 35.24% | 4.64% | 0.68% |
| Q4 2025 | $319.7M | $446.0M | 31.00% | 4.61% | 0.61% |
| Q1 2026 | $314.4M | $418.1M | 31.46% | 3.60% | 0.60% |
| Q2 2026 | $314.1M | $403.2M | 31.73% | 3.75% | 0.62% |
The Missouri Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14036) · FFIEC NIC profile (RSSD 309150)