Saint Louis 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.
Construction concentration (tier 1 capital + allowance) dropped 17.56 percentage points in Q2 2026, from 106.63% to 89.07%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Saint Louis Bank is 65th of 192 on loan-to-deposit ratio, 91.34% as of Q2 2026, above the middle of the field. Saint Louis Bank reported 91.34% on loan-to-deposit ratio for Q2 2026, 3.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $909.1M |
| Net loans and leases | $897.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.94% |
| Loan-to-deposit ratio | 91.34% |
| Net loans to equity capital | 9.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.10% |
| Multifamily (5+ residential) | 5.45% |
| Commercial and industrial | 28.38% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 0.58% |
| Loans to depository institutions | 0.11% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 337.43% |
| Construction concentration (Tier 1 capital + allowance) | 89.07% |
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 | $13.8M |
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 | $761.7M | $833.8M | 36.58% | 38.56% | 1.99% |
| Q4 2023 | $760.3M | $831.9M | 36.11% | 38.80% | 2.03% |
| Q1 2024 | $745.3M | $865.2M | 35.75% | 38.38% | 2.21% |
| Q2 2024 | $743.0M | $845.0M | 38.49% | 35.18% | 1.58% |
| Q3 2024 | $754.3M | $816.5M | 38.04% | 33.97% | 1.58% |
| Q4 2024 | $793.4M | $843.2M | 38.38% | 32.09% | 1.47% |
| Q1 2025 | $785.6M | $969.7M | 38.47% | 31.75% | 1.81% |
| Q2 2025 | $808.7M | $944.7M | 38.33% | 30.49% | 1.85% |
| Q3 2025 | $844.7M | $901.5M | 38.84% | 29.29% | 1.87% |
| Q4 2025 | $862.5M | $905.5M | 39.03% | 29.02% | 1.61% |
| Q1 2026 | $898.3M | $1.06B | 38.69% | 29.15% | 0.42% |
| Q2 2026 | $909.1M | $995.3M | 40.10% | 28.38% | 0.37% |
Saint Louis Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Louis 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 Saint Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58018) · FFIEC NIC profile (RSSD 3354599)