Progressive 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.
Loan-to-deposit ratio dropped 2.78 percentage points in Q2 2026, from 94.20% to 91.42%. It was the largest change from Q1 2026 among the key lines here. Progressive Ozark Bank ranks 63rd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Progressive Ozark Bank sits 10.58 points higher, at 91.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.0M |
| Net loans and leases | $154.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.73% |
| Loan-to-deposit ratio | 91.42% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.46% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 4.31% |
| Consumer | 5.39% |
| Credit cards | 0.00% |
| Farm | 24.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.31% |
| Construction concentration (Tier 1 capital + allowance) | 65.66% |
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 | 6.94% |
| Interest income on loans | $2.7M |
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 | $147.6M | $141.3M | 8.16% | 5.23% | 6.31% |
| Q4 2023 | $149.3M | $146.7M | 8.99% | 5.04% | 6.13% |
| Q1 2024 | $145.4M | $152.7M | 8.99% | 4.98% | 5.94% |
| Q2 2024 | $146.0M | $153.5M | 8.72% | 5.13% | 5.67% |
| Q3 2024 | $148.2M | $150.0M | 8.97% | 4.96% | 5.58% |
| Q4 2024 | $153.1M | $151.3M | 8.28% | 4.77% | 5.60% |
| Q1 2025 | $153.9M | $159.3M | 8.37% | 4.59% | 5.36% |
| Q2 2025 | $154.4M | $167.9M | 8.92% | 4.77% | 5.27% |
| Q3 2025 | $156.3M | $170.8M | 9.95% | 4.19% | 5.25% |
| Q4 2025 | $158.1M | $169.7M | 9.60% | 4.90% | 5.45% |
| Q1 2026 | $158.6M | $168.4M | 9.57% | 4.44% | 5.33% |
| Q2 2026 | $156.0M | $170.7M | 7.46% | 4.31% | 5.39% |
Progressive Ozark Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Progressive 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 Progressive Ozark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31488) · FFIEC NIC profile (RSSD 143372)