St. Johns Bank & Trust 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.
Cre concentration (tier 1 capital + allowance) dropped 13.40 percentage points in Q2 2026, from 250.68% to 237.28%. It was the largest change from Q1 2026 among the key lines here. St. Johns Bank & Trust Company ranks 96th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 85.70% (Q2 2026). St. Johns Bank & Trust Company reported 85.70% on loan-to-deposit ratio for Q2 2026, 4.86 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $222.9M |
| Net loans and leases | $219.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.02% |
| Loan-to-deposit ratio | 85.70% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.27% |
| Multifamily (5+ residential) | 15.52% |
| Commercial and industrial | 8.73% |
| Consumer | 1.32% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.28% |
| Construction concentration (Tier 1 capital + allowance) | 16.68% |
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 | 6.03% |
| Interest income on loans | $3.4M |
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 | $246.4M | $305.7M | 47.70% | 7.43% | 1.50% |
| Q4 2023 | $250.7M | $288.0M | 46.66% | 7.26% | 1.48% |
| Q1 2024 | $247.5M | $283.7M | 46.40% | 7.29% | 1.58% |
| Q2 2024 | $240.2M | $284.3M | 46.08% | 7.35% | 1.72% |
| Q3 2024 | $232.8M | $274.1M | 47.08% | 7.31% | 1.77% |
| Q4 2024 | $232.8M | $277.3M | 47.44% | 7.72% | 1.71% |
| Q1 2025 | $229.4M | $271.2M | 48.65% | 8.23% | 1.64% |
| Q2 2025 | $232.1M | $270.1M | 47.54% | 8.36% | 1.65% |
| Q3 2025 | $224.4M | $270.3M | 47.38% | 8.06% | 1.62% |
| Q4 2025 | $226.1M | $268.6M | 49.33% | 8.25% | 1.50% |
| Q1 2026 | $223.8M | $258.5M | 50.98% | 8.35% | 1.42% |
| Q2 2026 | $222.9M | $260.1M | 51.27% | 8.73% | 1.32% |
St. Johns Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Johns Bank & Trust 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 St. Johns Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8898) · FFIEC NIC profile (RSSD 173557)