New Era 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.
Construction concentration (Tier 1 capital + allowance) climbed 1.45 percentage points in Q2 2026, from 78.40% to 79.84%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, New Era Bank is 163rd of 191 on loan-to-deposit ratio, 65.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. New Era Bank sits 14.97 points lower, at 65.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.3M |
| Net loans and leases | $250.7M |
| Loans held for sale | $0 |
| Loans to total assets | 56.12% |
| Loan-to-deposit ratio | 65.59% |
| Net loans to equity capital | 3.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.81% |
| Multifamily (5+ residential) | 5.93% |
| Commercial and industrial | 3.46% |
| Consumer | 2.60% |
| Credit cards | 0.00% |
| Farm | 0.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.79% |
| Construction concentration (Tier 1 capital + allowance) | 79.84% |
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 | $4.0M |
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 | $251.9M | $364.1M | 18.20% | 5.63% | 3.64% |
| Q4 2023 | $254.2M | $358.9M | 18.17% | 5.07% | 3.47% |
| Q1 2024 | $258.0M | $373.0M | 18.55% | 5.21% | 3.40% |
| Q2 2024 | $259.8M | $365.1M | 18.23% | 4.64% | 3.26% |
| Q3 2024 | $262.6M | $360.2M | 17.60% | 4.70% | 3.18% |
| Q4 2024 | $262.9M | $367.8M | 17.38% | 4.77% | 2.95% |
| Q1 2025 | $254.5M | $375.2M | 17.96% | 5.09% | 2.77% |
| Q2 2025 | $246.4M | $373.2M | 17.76% | 4.64% | 2.88% |
| Q3 2025 | $250.6M | $376.9M | 16.74% | 4.27% | 2.86% |
| Q4 2025 | $255.7M | $374.3M | 16.96% | 3.42% | 2.93% |
| Q1 2026 | $254.3M | $384.7M | 16.33% | 3.80% | 2.62% |
| Q2 2026 | $254.3M | $387.7M | 15.81% | 3.46% | 2.60% |
New Era Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Era 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 New Era Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14546) · FFIEC NIC profile (RSSD 1014657)