The Seymour 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 4.04 percentage points in Q2 2026, from 65.53% to 61.49%. It was the largest change from Q1 2026 among the key lines here. The Seymour Bank ranks 140th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Seymour Bank sits 6.89 points lower, at 73.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.6M |
| Net loans and leases | $142.0M |
| Loans held for sale | $0 |
| Loans to total assets | 63.91% |
| Loan-to-deposit ratio | 73.95% |
| Net loans to equity capital | 7.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.22% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 3.63% |
| Consumer | 4.82% |
| Credit cards | 0.00% |
| Farm | 32.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.49% |
| Construction concentration (Tier 1 capital + allowance) | 20.57% |
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 | 7.35% |
| Interest income on loans | $2.5M |
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 | $125.8M | $166.3M | 14.52% | 5.96% | 8.11% |
| Q4 2023 | $129.7M | $174.8M | 14.91% | 7.22% | 7.73% |
| Q1 2024 | $130.6M | $178.1M | 18.82% | 2.69% | 7.77% |
| Q2 2024 | $132.0M | $179.4M | 17.90% | 2.75% | 7.10% |
| Q3 2024 | $130.7M | $186.4M | 16.26% | 2.96% | 6.98% |
| Q4 2024 | $131.8M | $204.1M | 16.92% | 2.67% | 6.65% |
| Q1 2025 | $131.4M | $186.5M | 16.33% | 2.96% | 6.53% |
| Q2 2025 | $132.6M | $183.1M | 16.62% | 2.83% | 6.13% |
| Q3 2025 | $134.2M | $179.6M | 15.49% | 3.49% | 5.86% |
| Q4 2025 | $133.9M | $200.0M | 14.76% | 3.55% | 5.57% |
| Q1 2026 | $137.0M | $185.7M | 15.77% | 3.54% | 5.04% |
| Q2 2026 | $143.6M | $194.3M | 15.22% | 3.63% | 4.82% |
The Seymour Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seymour 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 The Seymour Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15701) · FFIEC NIC profile (RSSD 428855)