Sherwood Community 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 32.86 percentage points lower than in Q1 2026, at 105.22%. Sherwood Community Bank ranks 147th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.01% (Q2 2026). Sherwood Community Bank reported 73.01% on loan-to-deposit ratio for Q2 2026, 5.38 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.3M |
| Net loans and leases | $51.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.07% |
| Loan-to-deposit ratio | 73.01% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.16% |
| Consumer | 1.85% |
| Credit cards | 0.00% |
| Farm | 5.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.22% |
| Construction concentration (Tier 1 capital + allowance) | 105.22% |
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 | 8.23% |
| Interest income on loans | $1.1M |
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 | $47.7M | $62.1M | 12.74% | 7.86% | 2.99% |
| Q4 2023 | $50.4M | $61.0M | 12.41% | 8.46% | 2.84% |
| Q1 2024 | $50.4M | $63.4M | 11.35% | 7.34% | 2.56% |
| Q2 2024 | $49.5M | $62.7M | 11.36% | 8.40% | 2.55% |
| Q3 2024 | $50.0M | $63.4M | 12.49% | 9.08% | 2.45% |
| Q4 2024 | $44.0M | $63.8M | 13.20% | 10.50% | 2.59% |
| Q1 2025 | $45.2M | $67.8M | 12.38% | 11.28% | 2.46% |
| Q2 2025 | $43.3M | $66.5M | 12.69% | 11.42% | 2.35% |
| Q3 2025 | $45.7M | $66.6M | 11.41% | 11.99% | 2.02% |
| Q4 2025 | $49.6M | $67.6M | 11.63% | 12.94% | 1.88% |
| Q1 2026 | $51.7M | $71.7M | 11.01% | 13.21% | 1.91% |
| Q2 2026 | $52.3M | $71.6M | 11.13% | 15.16% | 1.85% |
Sherwood Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sherwood Community 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 Sherwood Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1612) · FFIEC NIC profile (RSSD 887854)