Ozark 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 CRE concentration (Tier 1 capital + allowance): 19.79 percentage points lower than in Q1 2026, at 200.52%. Within Missouri, Ozark Bank is 65th of 191 on loan-to-deposit ratio, 91.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Ozark Bank sits 10.70 points higher, at 91.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $258.3M |
| Net loans and leases | $253.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.75% |
| Loan-to-deposit ratio | 91.25% |
| Net loans to equity capital | 8.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.91% |
| Multifamily (5+ residential) | 4.61% |
| Commercial and industrial | 4.51% |
| Consumer | 0.66% |
| Credit cards | 0.00% |
| Farm | 5.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.52% |
| Construction concentration (Tier 1 capital + allowance) | 49.55% |
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 | 6.67% |
| Interest income on loans | $4.4M |
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 | $232.3M | $283.7M | 34.07% | 3.60% | 0.90% |
| Q4 2023 | $236.8M | $350.0M | 32.63% | 3.74% | 0.84% |
| Q1 2024 | $242.8M | $301.4M | 32.34% | 3.47% | 0.85% |
| Q2 2024 | $238.3M | $294.8M | 32.56% | 4.22% | 0.94% |
| Q3 2024 | $242.2M | $292.7M | 33.09% | 3.89% | 0.81% |
| Q4 2024 | $252.9M | $355.9M | 32.50% | 4.13% | 0.78% |
| Q1 2025 | $256.8M | $298.7M | 32.21% | 3.72% | 0.72% |
| Q2 2025 | $261.4M | $319.0M | 31.82% | 3.27% | 0.67% |
| Q3 2025 | $266.2M | $276.1M | 31.67% | 3.40% | 0.65% |
| Q4 2025 | $266.5M | $277.9M | 31.35% | 4.07% | 0.77% |
| Q1 2026 | $266.4M | $290.1M | 31.72% | 4.24% | 0.75% |
| Q2 2026 | $258.3M | $283.1M | 31.91% | 4.51% | 0.66% |
Ozark Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozark 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 Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1654) · FFIEC NIC profile (RSSD 882952)