American State 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) dropped 3.53 percentage points in Q2 2026, from 31.26% to 27.74%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, American State Bank is 84th of 225 on loan-to-deposit ratio, 88.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American State Bank sits 7.25 points higher, at 88.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.1M |
| Net loans and leases | $246.2M |
| Loans held for sale | $0 |
| Loans to total assets | 69.05% |
| Loan-to-deposit ratio | 88.09% |
| Net loans to equity capital | 6.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.47% |
| Multifamily (5+ residential) | 0.96% |
| Commercial and industrial | 12.62% |
| Consumer | 5.09% |
| Credit cards | 0.02% |
| Farm | 24.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.74% |
| Construction concentration (Tier 1 capital + allowance) | 13.49% |
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 | $4.4M |
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 | $212.5M | $242.0M | 12.97% | 13.71% | 5.65% |
| Q4 2023 | $215.6M | $249.0M | 13.27% | 13.00% | 5.83% |
| Q1 2024 | $214.7M | $246.0M | 13.58% | 13.14% | 5.84% |
| Q2 2024 | $224.0M | $241.1M | 13.45% | 12.82% | 5.55% |
| Q3 2024 | $232.0M | $237.6M | 13.26% | 12.34% | 5.51% |
| Q4 2024 | $232.4M | $251.8M | 13.82% | 11.68% | 5.35% |
| Q1 2025 | $232.7M | $261.5M | 15.87% | 12.79% | 5.11% |
| Q2 2025 | $236.7M | $259.5M | 15.33% | 12.19% | 5.19% |
| Q3 2025 | $236.8M | $260.7M | 15.05% | 11.80% | 5.33% |
| Q4 2025 | $242.0M | $272.4M | 14.79% | 11.56% | 5.32% |
| Q1 2026 | $242.4M | $275.2M | 15.30% | 12.45% | 5.17% |
| Q2 2026 | $249.1M | $282.8M | 14.47% | 12.62% | 5.09% |
American State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American State 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26944) · FFIEC NIC profile (RSSD 276645)