Silex Banking Company: 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 2.33 percentage points in Q2 2026, from 58.60% to 60.93%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Silex Banking Company is 144th of 192 on loan-to-deposit ratio, 73.44% as of Q2 2026, below the middle of the field. Silex Banking Company reported 73.44% on loan-to-deposit ratio for Q2 2026, 5.82 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.0M |
| Net loans and leases | $61.5M |
| Loans held for sale | $0 |
| Loans to total assets | 63.17% |
| Loan-to-deposit ratio | 73.44% |
| Net loans to equity capital | 4.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.16% |
| Multifamily (5+ residential) | 2.24% |
| Commercial and industrial | 2.14% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 34.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.55% |
| Construction concentration (Tier 1 capital + allowance) | 60.93% |
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 | 6.13% |
| Interest income on loans | $953K |
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 | $77.8M | 7.04% | 4.18% | 0.96% |
| Q4 2023 | $49.9M | $76.2M | 6.70% | 4.01% | 1.11% |
| Q1 2024 | $49.7M | $77.1M | 6.94% | 4.56% | 1.25% |
| Q2 2024 | $50.6M | $81.7M | 7.64% | 3.42% | 1.52% |
| Q3 2024 | $52.0M | $81.0M | 6.44% | 3.30% | 1.60% |
| Q4 2024 | $54.2M | $80.9M | 6.37% | 3.29% | 1.41% |
| Q1 2025 | $56.1M | $81.6M | 5.97% | 3.84% | 1.32% |
| Q2 2025 | $60.3M | $81.0M | 5.79% | 3.32% | 1.09% |
| Q3 2025 | $60.7M | $79.9M | 5.74% | 3.13% | 1.02% |
| Q4 2025 | $62.3M | $78.9M | 5.58% | 3.00% | 0.98% |
| Q1 2026 | $63.0M | $83.4M | 6.06% | 2.75% | 0.97% |
| Q2 2026 | $62.0M | $84.4M | 6.16% | 2.14% | 0.99% |
Silex Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Silex Banking Company, 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 Silex Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14178) · FFIEC NIC profile (RSSD 552956)