Peoples Bank of Moniteau County: 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 Q3 2026 was in Construction concentration (Tier 1 capital + allowance): 12.89 percentage points higher than in Q2 2026, at 45.49%. Within Missouri, Peoples Bank of Moniteau County is 141st of 192 on loan-to-deposit ratio, 73.94% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Peoples Bank of Moniteau County sits 6.01 points higher, at 73.94% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $53.5M |
| Net loans and leases | $52.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.95% |
| Loan-to-deposit ratio | 73.94% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.04% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.71% |
| Consumer | 6.99% |
| Credit cards | 0.00% |
| Farm | 21.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.03% |
| Construction concentration (Tier 1 capital + allowance) | 45.49% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $946K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $43.5M | $59.3M | 11.00% | 6.59% | 7.81% |
| Q1 2024 | $44.0M | $62.0M | 9.46% | 6.82% | 8.05% |
| Q2 2024 | $45.1M | $62.7M | 9.35% | 6.82% | 8.07% |
| Q3 2024 | $44.5M | $61.3M | 8.96% | 6.25% | 8.10% |
| Q4 2024 | $44.4M | $64.3M | 10.20% | 7.45% | 7.70% |
| Q1 2025 | $43.9M | $68.7M | 11.08% | 8.52% | 8.01% |
| Q2 2025 | $45.3M | $70.5M | 9.87% | 7.91% | 8.02% |
| Q3 2025 | $46.7M | $70.8M | 10.17% | 7.49% | 8.09% |
| Q4 2025 | $48.6M | $70.0M | 9.48% | 7.03% | 7.20% |
| Q1 2026 | $49.0M | $74.3M | 11.59% | 6.55% | 7.34% |
| Q2 2026 | $50.4M | $73.3M | 10.69% | 5.82% | 7.14% |
| Q3 2026 | $53.5M | $72.4M | 9.04% | 6.71% | 6.99% |
Peoples Bank of Moniteau County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Moniteau County, 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 Peoples Bank of Moniteau County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15792) · FFIEC NIC profile (RSSD 915056)