Putnam County State 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 climbed 2.12 percentage points in Q2 2026, from 84.19% to 86.31%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Putnam County State Bank is 91st of 192 on loan-to-deposit ratio, 86.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Putnam County State Bank sits 5.47 points higher, at 86.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $236.2M |
| Net loans and leases | $233.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.38% |
| Loan-to-deposit ratio | 86.31% |
| Net loans to equity capital | 5.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.52% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.99% |
| Consumer | 1.69% |
| Credit cards | 0.00% |
| Farm | 41.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.01% |
| Construction concentration (Tier 1 capital + allowance) | 14.33% |
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 | 6.65% |
| Interest income on loans | $3.9M |
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 | $220.1M | $212.6M | 0.03% | 14.97% | 2.52% |
| Q4 2023 | $221.7M | $225.3M | 0.03% | 15.32% | 2.73% |
| Q1 2024 | $218.5M | $228.2M | 0.03% | 15.62% | 2.62% |
| Q2 2024 | $224.8M | $226.7M | 0.15% | 15.88% | 2.39% |
| Q3 2024 | $226.0M | $226.7M | 0.22% | 15.66% | 2.29% |
| Q4 2024 | $232.3M | $234.6M | 0.23% | 14.29% | 2.20% |
| Q1 2025 | $228.8M | $241.5M | 0.39% | 14.31% | 1.80% |
| Q2 2025 | $225.6M | $245.3M | 0.55% | 15.29% | 1.77% |
| Q3 2025 | $232.0M | $253.4M | 0.66% | 14.85% | 1.71% |
| Q4 2025 | $242.3M | $268.8M | 0.36% | 13.68% | 1.64% |
| Q1 2026 | $230.1M | $273.3M | 0.42% | 14.53% | 1.68% |
| Q2 2026 | $236.2M | $273.7M | 0.52% | 13.99% | 1.69% |
Putnam County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam County State 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 Putnam County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22895) · FFIEC NIC profile (RSSD 382658)