PSB 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): 15.95 percentage points higher than in Q1 2026, at 189.31%. Within Missouri, PSB Bank is 37th of 191 on loan-to-deposit ratio, 96.69% as of Q2 2026. PSB Bank reported 96.69% on loan-to-deposit ratio for Q2 2026, 16.14 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $671.1M |
| Net loans and leases | $664.0M |
| Loans held for sale | $0 |
| Loans to total assets | 78.54% |
| Loan-to-deposit ratio | 96.69% |
| Net loans to equity capital | 9.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.59% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 10.22% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 14.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.31% |
| Construction concentration (Tier 1 capital + allowance) | 88.52% |
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 | 6.80% |
| Interest income on loans | $11.2M |
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 | $494.1M | $540.5M | 25.70% | 14.76% | 2.08% |
| Q4 2023 | $508.8M | $552.5M | 25.27% | 15.62% | 1.97% |
| Q1 2024 | $523.3M | $548.3M | 26.88% | 15.20% | 1.82% |
| Q2 2024 | $531.7M | $542.8M | 26.88% | 15.91% | 1.85% |
| Q3 2024 | $541.1M | $548.8M | 27.60% | 14.47% | 1.74% |
| Q4 2024 | $535.9M | $547.6M | 28.48% | 13.14% | 1.64% |
| Q1 2025 | $545.7M | $557.4M | 30.73% | 11.74% | 1.53% |
| Q2 2025 | $558.4M | $581.3M | 30.55% | 11.27% | 1.43% |
| Q3 2025 | $579.2M | $582.1M | 29.27% | 11.26% | 1.36% |
| Q4 2025 | $647.2M | $694.0M | 28.88% | 9.97% | 1.75% |
| Q1 2026 | $655.3M | $709.7M | 28.54% | 10.71% | 1.68% |
| Q2 2026 | $671.1M | $694.1M | 28.59% | 10.22% | 1.61% |
PSB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PSB 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 PSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15264) · FFIEC NIC profile (RSSD 242257)