New Frontier 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) dropped 13.16 percentage points in Q2 2026, from 50.29% to 37.13%. It was the largest change from Q1 2026 among the key lines here. New Frontier Bank ranks 101st of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 84.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Frontier Bank sits 3.90 points higher, at 84.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $134.6M |
| Net loans and leases | $133.4M |
| Loans held for sale | $0 |
| Loans to total assets | 76.61% |
| Loan-to-deposit ratio | 84.74% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.50% |
| Multifamily (5+ residential) | 5.17% |
| Commercial and industrial | 10.70% |
| Consumer | 2.82% |
| Credit cards | 0.00% |
| Farm | 2.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 294.71% |
| Construction concentration (Tier 1 capital + allowance) | 37.13% |
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 | 7.00% |
| Interest income on loans | $2.1M |
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 | $104.5M | $131.7M | 61.20% | 4.95% | 0.07% |
| Q4 2023 | $103.6M | $132.9M | 61.88% | 5.00% | 0.09% |
| Q1 2024 | $104.7M | $132.4M | 60.73% | 5.04% | 1.52% |
| Q2 2024 | $106.5M | $134.2M | 59.80% | 6.35% | 2.48% |
| Q3 2024 | $112.3M | $147.6M | 56.06% | 5.81% | 2.63% |
| Q4 2024 | $114.5M | $154.0M | 54.05% | 7.03% | 3.03% |
| Q1 2025 | $117.2M | $155.8M | 53.52% | 6.61% | 3.88% |
| Q2 2025 | $113.9M | $148.9M | 53.52% | 7.38% | 3.63% |
| Q3 2025 | $125.2M | $151.6M | 53.98% | 9.59% | 3.67% |
| Q4 2025 | $128.3M | $154.9M | 54.80% | 10.90% | 3.51% |
| Q1 2026 | $128.2M | $163.8M | 55.38% | 10.25% | 3.20% |
| Q2 2026 | $134.6M | $158.9M | 53.50% | 10.70% | 2.82% |
New Frontier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Frontier 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 Frontier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35597) · FFIEC NIC profile (RSSD 2917184)