Southwest Missouri 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) climbed 3.30 percentage points in Q2 2026, from 104.49% to 107.78%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Southwest Missouri Bank is 171st of 192 on loan-to-deposit ratio, 61.41% as of Q2 2026, below the middle of the field. Southwest Missouri Bank reported 61.41% on loan-to-deposit ratio for Q2 2026, 26.79 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $640.9M |
| Net loans and leases | $633.8M |
| Loans held for sale | $1.0M |
| Loans to total assets | 53.04% |
| Loan-to-deposit ratio | 61.41% |
| Net loans to equity capital | 7.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.94% |
| Multifamily (5+ residential) | 1.61% |
| Commercial and industrial | 8.01% |
| Consumer | 14.89% |
| Credit cards | 0.28% |
| Farm | 8.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.78% |
| Construction concentration (Tier 1 capital + allowance) | 48.71% |
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 | $11.4M |
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 | $530.6M | $936.0M | 13.94% | 10.39% | 15.45% |
| Q4 2023 | $538.6M | $983.3M | 13.49% | 9.81% | 16.06% |
| Q1 2024 | $539.9M | $979.5M | 13.46% | 9.66% | 16.05% |
| Q2 2024 | $550.8M | $979.3M | 13.73% | 9.64% | 16.14% |
| Q3 2024 | $564.7M | $969.3M | 13.34% | 9.82% | 16.13% |
| Q4 2024 | $581.2M | $1.03B | 13.36% | 10.10% | 15.82% |
| Q1 2025 | $587.2M | $1.01B | 13.09% | 9.82% | 16.12% |
| Q2 2025 | $602.2M | $998.7M | 12.83% | 9.95% | 15.94% |
| Q3 2025 | $615.4M | $1.00B | 13.15% | 9.57% | 15.52% |
| Q4 2025 | $632.0M | $1.07B | 13.36% | 8.71% | 15.15% |
| Q1 2026 | $631.2M | $1.06B | 13.52% | 8.63% | 15.08% |
| Q2 2026 | $640.9M | $1.04B | 13.94% | 8.01% | 14.89% |
Southwest Missouri Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Missouri 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 Southwest Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22876) · FFIEC NIC profile (RSSD 760854)