Neighbors 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 Loan-to-deposit ratio: 7.08 percentage points higher than in Q1 2026, at 109.36%. Among 192 Missouri banks, Neighbors Bank sits 7th from the top on loan-to-deposit ratio, 109.36% as of Q2 2026. Neighbors Bank reported 109.36% on loan-to-deposit ratio for Q2 2026, 28.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.8M |
| Net loans and leases | $89.5M |
| Loans held for sale | $64.3M |
| Loans to total assets | 77.67% |
| Loan-to-deposit ratio | 109.36% |
| Net loans to equity capital | 7.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.35% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 9.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.26% |
| Interest income on loans | $1.2M |
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 | $41.4M | $54.2M | 1.36% | 1.19% | 0.71% |
| Q4 2023 | $42.1M | $55.8M | 1.61% | 1.22% | 0.64% |
| Q1 2024 | $48.5M | $53.8M | 0.99% | 0.38% | 0.53% |
| Q2 2024 | $60.6M | $53.8M | 0.80% | 0.67% | 0.45% |
| Q3 2024 | $61.4M | $53.9M | 0.80% | 1.12% | 0.43% |
| Q4 2024 | $75.2M | $55.5M | 0.69% | 0.97% | 0.30% |
| Q1 2025 | $65.6M | $68.4M | 0.48% | 0.89% | 0.42% |
| Q2 2025 | $83.2M | $74.6M | 0.37% | 0.51% | 0.28% |
| Q3 2025 | $67.3M | $86.0M | 0.45% | 0.59% | 0.36% |
| Q4 2025 | $79.8M | $94.2M | 0.30% | 0.58% | 0.32% |
| Q1 2026 | $88.8M | $86.8M | 0.26% | 0.29% | 0.29% |
| Q2 2026 | $89.8M | $82.1M | 0.25% | 0.35% | 0.27% |
Neighbors Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighbors 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 Neighbors Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16247) · FFIEC NIC profile (RSSD 503640)