Montrose Savings 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 dropped 2.00 percentage points in Q2 2026, from 63.43% to 61.44%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Montrose Savings Bank is 170th of 192 on loan-to-deposit ratio, 61.44% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Montrose Savings Bank sits 6.19 points lower, at 61.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $33.0M |
| Net loans and leases | $32.4M |
| Loans held for sale | $0 |
| Loans to total assets | 52.18% |
| Loan-to-deposit ratio | 61.44% |
| Net loans to equity capital | 3.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.53% |
| Multifamily (5+ residential) | 2.52% |
| Commercial and industrial | 6.13% |
| Consumer | 4.79% |
| Credit cards | 0.00% |
| Farm | 29.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.43% |
| Construction concentration (Tier 1 capital + allowance) | 7.61% |
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 | 7.45% |
| Interest income on loans | $596K |
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 | $27.4M | $46.6M | 4.95% | 9.24% | 8.03% |
| Q4 2023 | $28.0M | $46.3M | 5.13% | 9.24% | 7.54% |
| Q1 2024 | $28.3M | $46.8M | 5.26% | 10.34% | 7.53% |
| Q2 2024 | $28.7M | $47.7M | 5.08% | 10.28% | 7.83% |
| Q3 2024 | $29.1M | $46.8M | 6.12% | 9.24% | 7.58% |
| Q4 2024 | $30.5M | $45.7M | 6.60% | 8.31% | 6.81% |
| Q1 2025 | $30.5M | $48.5M | 7.87% | 8.10% | 6.57% |
| Q2 2025 | $31.9M | $48.6M | 9.44% | 7.72% | 5.87% |
| Q3 2025 | $33.4M | $51.8M | 10.08% | 7.70% | 5.75% |
| Q4 2025 | $33.4M | $48.0M | 10.66% | 6.83% | 5.32% |
| Q1 2026 | $33.2M | $52.4M | 8.89% | 6.37% | 6.13% |
| Q2 2026 | $33.0M | $53.7M | 9.53% | 6.13% | 4.79% |
Montrose Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Montrose Savings 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 Montrose Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8594) · FFIEC NIC profile (RSSD 753052)