State Bank of Missouri: 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 4.94 percentage points in Q2 2026, from 28.73% to 33.67%. It was the largest change from Q1 2026 among the key lines here. State Bank of Missouri ranks 161st of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 67.87% (Q2 2026). State Bank of Missouri reported 67.87% on loan-to-deposit ratio for Q2 2026, 12.97 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.9M |
| Net loans and leases | $82.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.72% |
| Loan-to-deposit ratio | 67.87% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.90% |
| Multifamily (5+ residential) | 8.49% |
| Commercial and industrial | 4.24% |
| Consumer | 2.60% |
| Credit cards | 0.00% |
| Farm | 17.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.99% |
| Construction concentration (Tier 1 capital + allowance) | 33.67% |
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 | $1.4M |
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 | $78.7M | $135.6M | 9.69% | 5.34% | 3.02% |
| Q4 2023 | $79.4M | $136.1M | 9.42% | 4.64% | 2.95% |
| Q1 2024 | $78.3M | $138.6M | 9.11% | 5.21% | 3.14% |
| Q2 2024 | $78.2M | $134.3M | 8.90% | 5.20% | 3.32% |
| Q3 2024 | $76.9M | $132.5M | 8.91% | 5.42% | 3.18% |
| Q4 2024 | $77.5M | $128.5M | 8.89% | 5.49% | 2.94% |
| Q1 2025 | $79.3M | $135.3M | 13.75% | 4.13% | 2.91% |
| Q2 2025 | $79.7M | $130.4M | 14.24% | 4.06% | 2.95% |
| Q3 2025 | $80.2M | $127.4M | 14.04% | 3.91% | 3.00% |
| Q4 2025 | $80.8M | $126.2M | 13.57% | 3.84% | 2.76% |
| Q1 2026 | $81.9M | $127.6M | 13.21% | 3.70% | 2.75% |
| Q2 2026 | $82.9M | $122.1M | 12.90% | 4.24% | 2.60% |
State Bank of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Missouri, 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10623) · FFIEC NIC profile (RSSD 565844)