TPNB 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.
Construction concentration (tier 1 capital + allowance) climbed 4.32 percentage points in Q2 2026, from 12.92% to 17.25%. It was the largest change from Q1 2026 among the key lines here. TPNB Bank ranks 155th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 70.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. TPNB Bank sits 10.25 points lower, at 70.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.4M |
| Net loans and leases | $65.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.34% |
| Loan-to-deposit ratio | 70.58% |
| Net loans to equity capital | 4.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.34% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 7.07% |
| Consumer | 5.19% |
| Credit cards | 0.00% |
| Farm | 46.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.83% |
| Construction concentration (Tier 1 capital + allowance) | 17.25% |
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 | $1.1M |
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 | $56.8M | $85.7M | 14.31% | 8.36% | 3.36% |
| Q4 2023 | $58.3M | $92.7M | 11.19% | 9.51% | 3.41% |
| Q1 2024 | $57.6M | $88.4M | 11.39% | 8.08% | 3.63% |
| Q2 2024 | $59.7M | $85.1M | 11.24% | 7.64% | 3.75% |
| Q3 2024 | $61.3M | $83.1M | 10.69% | 7.90% | 4.04% |
| Q4 2024 | $62.0M | $93.6M | 10.67% | 7.08% | 3.74% |
| Q1 2025 | $65.1M | $90.2M | 10.48% | 9.63% | 5.02% |
| Q2 2025 | $64.3M | $91.4M | 11.03% | 7.24% | 4.98% |
| Q3 2025 | $64.7M | $90.9M | 11.12% | 7.32% | 6.08% |
| Q4 2025 | $68.2M | $98.8M | 10.37% | 8.91% | 5.52% |
| Q1 2026 | $70.3M | $96.0M | 9.84% | 8.72% | 5.28% |
| Q2 2026 | $66.4M | $94.1M | 9.34% | 7.07% | 5.19% |
TPNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TPNB 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 TPNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4556) · FFIEC NIC profile (RSSD 1007051)