Regional Missouri 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.
Cre concentration (tier 1 capital + allowance) dropped 9.41 percentage points in Q2 2026, from 45.07% to 35.66%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Regional Missouri Bank is 52nd of 192 on loan-to-deposit ratio, 93.49% 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. Regional Missouri Bank sits 12.65 points higher, at 93.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $468.1M |
| Net loans and leases | $463.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.36% |
| Loan-to-deposit ratio | 93.49% |
| Net loans to equity capital | 7.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.85% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 9.68% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 30.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.66% |
| Construction concentration (Tier 1 capital + allowance) | 19.45% |
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 | 6.63% |
| Interest income on loans | $7.8M |
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 | $376.8M | $446.3M | 16.91% | 12.71% | 2.59% |
| Q4 2023 | $381.3M | $444.5M | 18.38% | 12.17% | 2.42% |
| Q1 2024 | $380.3M | $452.9M | 21.46% | 9.57% | 2.37% |
| Q2 2024 | $392.0M | $441.9M | 18.44% | 12.47% | 2.31% |
| Q3 2024 | $422.1M | $431.0M | 18.53% | 12.82% | 2.11% |
| Q4 2024 | $421.0M | $453.4M | 19.53% | 11.43% | 2.09% |
| Q1 2025 | $419.9M | $455.8M | 21.82% | 9.58% | 1.96% |
| Q2 2025 | $422.8M | $463.3M | 18.85% | 11.70% | 1.92% |
| Q3 2025 | $437.5M | $454.7M | 18.06% | 12.47% | 2.33% |
| Q4 2025 | $449.7M | $490.9M | 17.24% | 10.08% | 2.17% |
| Q1 2026 | $467.9M | $499.4M | 18.37% | 9.92% | 2.02% |
| Q2 2026 | $468.1M | $500.7M | 18.85% | 9.68% | 1.92% |
Regional Missouri Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Regional Missouri 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 Regional Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18385) · FFIEC NIC profile (RSSD 579140)