St. Clair County State 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 Loan-to-deposit ratio: 4.53 percentage points higher than in Q1 2026, at 91.21%. St. Clair County State Bank ranks 67th of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 91.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. St. Clair County State Bank sits 10.65 points higher, at 91.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.5M |
| Net loans and leases | $176.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.01% |
| Loan-to-deposit ratio | 91.21% |
| Net loans to equity capital | 5.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.15% |
| Multifamily (5+ residential) | 2.01% |
| Commercial and industrial | 4.86% |
| Consumer | 3.84% |
| Credit cards | 0.00% |
| Farm | 35.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.48% |
| Construction concentration (Tier 1 capital + allowance) | 18.48% |
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 | 6.96% |
| Interest income on loans | $3.0M |
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 | $133.2M | $167.9M | 7.05% | 8.45% | 5.10% |
| Q4 2023 | $134.7M | $173.6M | 7.13% | 8.24% | 5.10% |
| Q1 2024 | $134.6M | $176.7M | 7.42% | 8.21% | 5.18% |
| Q2 2024 | $140.0M | $175.7M | 7.33% | 8.04% | 5.10% |
| Q3 2024 | $148.2M | $175.5M | 7.28% | 10.67% | 5.21% |
| Q4 2024 | $148.3M | $184.2M | 8.29% | 8.10% | 4.95% |
| Q1 2025 | $147.9M | $185.6M | 8.93% | 8.85% | 4.57% |
| Q2 2025 | $154.9M | $184.8M | 9.20% | 9.84% | 4.94% |
| Q3 2025 | $156.2M | $183.8M | 9.79% | 5.53% | 4.90% |
| Q4 2025 | $159.8M | $185.2M | 12.02% | 5.19% | 4.04% |
| Q1 2026 | $169.0M | $195.0M | 11.69% | 5.11% | 3.92% |
| Q2 2026 | $178.5M | $195.7M | 12.15% | 4.86% | 3.84% |
St. Clair County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Clair County State 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 St. Clair County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11002) · FFIEC NIC profile (RSSD 692450)