Bank Analysis School

Internal Use Only

Most Bank Assets are Loans and Securities

Average Community Bank Asset Mix (12/31/2022)

All Other, 15%

Cash/FFS/IBBB, 9%

Loans, 59%

Securities, 17%

15

Internal Use Only

Community Banks Lend for a Variety of Purposes

Percent of Gross Loans (12/31/2022) (State-Chartered Community Banks)

30%

27%

24%

20%

16%

10%

7%

10%

6%

5%

3%

2%

1-4 Family Farmland Construction Multifamily Non-Farm Non-Res.

Ag. Production Commercial

Consumer

All Other

Commercial Real Estate (33%)

Not Secured by Real Estate 30%)

Secured by Real Estate (70%)