Tbo 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 65.50 percentage points in Q2 2026, from 178.03% to 243.53%. It was the largest change from Q1 2026 among the key lines here. Tbo Bank ranks 66th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Tbo Bank sits 10.50 points higher, at 91.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.8M |
| Net loans and leases | $172.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.52% |
| Loan-to-deposit ratio | 91.33% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.13% |
| Multifamily (5+ residential) | 8.58% |
| Commercial and industrial | 5.32% |
| Consumer | 49.42% |
| Credit cards | 0.00% |
| Farm | 3.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.53% |
| Construction concentration (Tier 1 capital + allowance) | 72.29% |
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 | 103.18% |
| Interest income on loans | $44.1M |
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 | $47.3M | $67.1M | 6.55% | 3.87% | 71.19% |
| Q4 2023 | $65.8M | $87.0M | 5.02% | 2.73% | 77.91% |
| Q1 2024 | $72.1M | $95.0M | 4.55% | 2.89% | 79.59% |
| Q2 2024 | $77.6M | $100.5M | 2.27% | 5.30% | 79.90% |
| Q3 2024 | $88.4M | $100.5M | 1.89% | 5.51% | 82.08% |
| Q4 2024 | $92.8M | $115.2M | 1.77% | 9.19% | 78.59% |
| Q1 2025 | $95.9M | $140.6M | 3.09% | 7.97% | 78.13% |
| Q2 2025 | $133.2M | $177.5M | 10.89% | 4.49% | 77.45% |
| Q3 2025 | $155.8M | $180.5M | 15.36% | 4.49% | 74.60% |
| Q4 2025 | $153.9M | $179.7M | 16.76% | 5.95% | 70.36% |
| Q1 2026 | $165.3M | $218.3M | 15.97% | 5.67% | 57.26% |
| Q2 2026 | $178.8M | $195.8M | 19.13% | 5.32% | 49.42% |
Tbo Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tbo 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 Tbo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10597) · FFIEC NIC profile (RSSD 1003950)