Security Bank of the Ozarks: 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) climbed 10.48 percentage points in Q2 2026, from 30.27% to 40.75%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Security Bank of the Ozarks is 141st of 192 on loan-to-deposit ratio, 73.78% as of Q2 2026, below the middle of the field. Security Bank of the Ozarks reported 73.78% on loan-to-deposit ratio for Q2 2026, 7.06 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $106.2M |
| Net loans and leases | $105.1M |
| Loans held for sale | $0 |
| Loans to total assets | 68.49% |
| Loan-to-deposit ratio | 73.78% |
| Net loans to equity capital | 9.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.43% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 15.14% |
| Consumer | 14.67% |
| Credit cards | 0.00% |
| Farm | 12.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.64% |
| Construction concentration (Tier 1 capital + allowance) | 40.75% |
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 | 7.76% |
| Interest income on loans | $2.0M |
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 | $91.0M | $135.4M | 18.33% | 19.82% | 15.68% |
| Q4 2023 | $90.3M | $133.6M | 19.54% | 20.58% | 12.57% |
| Q1 2024 | $93.8M | $132.7M | 20.14% | 20.30% | 13.81% |
| Q2 2024 | $94.0M | $139.3M | 19.70% | 20.09% | 13.59% |
| Q3 2024 | $95.2M | $141.1M | 19.79% | 19.94% | 13.94% |
| Q4 2024 | $99.8M | $142.6M | 18.94% | 19.57% | 13.65% |
| Q1 2025 | $100.6M | $144.3M | 19.80% | 18.24% | 14.41% |
| Q2 2025 | $100.2M | $147.7M | 20.58% | 18.25% | 14.34% |
| Q3 2025 | $99.7M | $145.5M | 20.39% | 16.70% | 14.55% |
| Q4 2025 | $100.3M | $144.0M | 20.24% | 16.78% | 14.74% |
| Q1 2026 | $100.8M | $145.6M | 21.03% | 15.89% | 15.50% |
| Q2 2026 | $106.2M | $144.0M | 20.43% | 15.14% | 14.67% |
Security Bank of the Ozarks loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of the Ozarks, 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 Security Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18033) · FFIEC NIC profile (RSSD 956358)