Royal Banks of Missouri: 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): 9.93 percentage points higher than in Q1 2026, at 372.61%. Royal Banks of Missouri ranks 71st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 90.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Royal Banks of Missouri reported 90.59% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $807.7M |
| Net loans and leases | $802.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.30% |
| Loan-to-deposit ratio | 90.59% |
| Net loans to equity capital | 6.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.76% |
| Multifamily (5+ residential) | 7.07% |
| Commercial and industrial | 12.97% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 1.37% |
| Loans to depository institutions | 0.19% |
| State and political subdivisions | 0.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 372.61% |
| Construction concentration (Tier 1 capital + allowance) | 26.28% |
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 | — |
| Interest income on loans | $12.9M |
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 | $673.4M | $868.1M | 60.27% | 14.18% | 1.57% |
| Q4 2023 | $743.3M | $898.7M | 58.93% | 13.25% | 1.36% |
| Q1 2024 | $732.7M | $874.4M | 58.60% | 13.23% | 1.31% |
| Q2 2024 | $743.3M | $878.5M | 57.69% | 13.21% | 1.01% |
| Q3 2024 | $775.8M | $893.1M | 55.80% | 13.62% | 0.91% |
| Q4 2024 | $763.6M | $922.5M | 53.66% | 13.68% | 0.84% |
| Q1 2025 | $744.9M | $909.6M | 55.31% | 12.85% | 0.82% |
| Q2 2025 | $751.8M | $895.7M | 55.16% | 12.38% | 0.77% |
| Q3 2025 | $772.7M | $912.3M | 53.95% | 12.53% | 0.69% |
| Q4 2025 | $792.1M | $917.6M | 52.21% | 13.56% | 0.64% |
| Q1 2026 | $779.3M | $914.0M | 53.03% | 12.83% | 0.59% |
| Q2 2026 | $807.7M | $891.6M | 53.76% | 12.97% | 0.51% |
Royal Banks of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal Banks of Missouri, 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 Royal Banks of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19512) · FFIEC NIC profile (RSSD 501459)