Peoples Bank of Wyaconda: 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 3.07 percentage points in Q2 2026, from 7.95% to 11.03%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Peoples Bank of Wyaconda is 107th of 192 on loan-to-deposit ratio, 82.00% as of Q2 2026, below the middle of the field. At 82.00%, Peoples Bank of Wyaconda's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $107.7M |
| Net loans and leases | $105.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.54% |
| Loan-to-deposit ratio | 82.00% |
| Net loans to equity capital | 6.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.16% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 5.40% |
| Consumer | 4.59% |
| Credit cards | 0.00% |
| Farm | 30.29% |
| Loans to depository institutions | 1.92% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.46% |
| Construction concentration (Tier 1 capital + allowance) | 11.03% |
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 | 6.96% |
| Interest income on loans | $1.8M |
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 | $83.7M | $112.7M | 3.90% | 7.74% | 6.51% |
| Q4 2023 | $86.9M | $119.4M | 3.56% | 7.66% | 6.42% |
| Q1 2024 | $88.1M | $118.5M | 3.50% | 7.83% | 5.83% |
| Q2 2024 | $86.9M | $121.9M | 3.71% | 5.79% | 5.80% |
| Q3 2024 | $88.6M | $119.5M | 3.54% | 5.56% | 5.82% |
| Q4 2024 | $90.8M | $125.3M | 3.32% | 6.51% | 5.35% |
| Q1 2025 | $93.7M | $126.3M | 2.90% | 6.28% | 5.00% |
| Q2 2025 | $93.7M | $126.0M | 3.19% | 6.45% | 5.39% |
| Q3 2025 | $95.9M | $123.3M | 3.52% | 5.64% | 5.21% |
| Q4 2025 | $97.7M | $124.6M | 4.09% | 5.55% | 5.03% |
| Q1 2026 | $102.9M | $128.2M | 4.22% | 5.22% | 4.38% |
| Q2 2026 | $107.7M | $131.3M | 4.16% | 5.40% | 4.59% |
Peoples Bank of Wyaconda loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Wyaconda, 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 Wyaconda profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15415) · FFIEC NIC profile (RSSD 223452)