Phelps County 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): 11.62 percentage points higher than in Q1 2026, at 206.93%. Phelps County Bank ranks 105th of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). Phelps County Bank reported 83.15% on loan-to-deposit ratio for Q2 2026, 2.60 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $470.2M |
| Net loans and leases | $465.8M |
| Loans held for sale | $565K |
| Loans to total assets | 75.64% |
| Loan-to-deposit ratio | 83.15% |
| Net loans to equity capital | 9.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.02% |
| Multifamily (5+ residential) | 4.85% |
| Commercial and industrial | 6.16% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 7.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.93% |
| Construction concentration (Tier 1 capital + allowance) | 97.57% |
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 | 6.42% |
| Interest income on loans | $7.3M |
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 | $335.2M | $418.7M | 22.30% | 4.05% | 2.55% |
| Q4 2023 | $350.5M | $428.6M | 21.96% | 3.92% | 2.50% |
| Q1 2024 | $364.7M | $413.0M | 21.74% | 5.03% | 2.38% |
| Q2 2024 | $372.8M | $427.5M | 21.59% | 5.01% | 2.16% |
| Q3 2024 | $387.8M | $435.5M | 20.59% | 4.90% | 2.12% |
| Q4 2024 | $402.5M | $462.5M | 18.80% | 4.79% | 2.01% |
| Q1 2025 | $411.0M | $458.6M | 18.81% | 5.45% | 1.97% |
| Q2 2025 | $424.1M | $493.6M | 19.02% | 5.87% | 1.97% |
| Q3 2025 | $436.1M | $504.2M | 18.54% | 7.03% | 1.93% |
| Q4 2025 | $449.7M | $561.9M | 18.93% | 6.37% | 1.92% |
| Q1 2026 | $448.7M | $558.7M | 17.78% | 6.13% | 1.86% |
| Q2 2026 | $470.2M | $565.5M | 18.02% | 6.16% | 1.80% |
Phelps County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Phelps County 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 Phelps County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18841) · FFIEC NIC profile (RSSD 342054)