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.
Loans held for sale dropped 50.9% in Q2 2026, from $4.7M to $2.3M. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, American State Bank sits 6th from the top on loan-to-deposit ratio, 111.20% as of Q2 2026. American State Bank reported 111.20% on loan-to-deposit ratio for Q2 2026, 23.00 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.35B |
| Net loans and leases | $1.34B |
| Loans held for sale | $2.3M |
| Loans to total assets | 93.56% |
| Loan-to-deposit ratio | 111.20% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.23% |
| Multifamily (5+ residential) | 6.00% |
| Commercial and industrial | 17.77% |
| Consumer | 1.08% |
| Credit cards | 0.12% |
| Farm | 18.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.90% |
| Construction concentration (Tier 1 capital + allowance) | 18.89% |
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 | 6.20% |
| Interest income on loans | $20.7M |
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 | $1.15B | $1.11B | 21.00% | 19.12% | 2.19% |
| Q4 2023 | $1.21B | $1.16B | 19.88% | 18.28% | 1.59% |
| Q1 2024 | $1.25B | $1.13B | 19.66% | 18.90% | 1.59% |
| Q2 2024 | $1.31B | $1.13B | 19.42% | 20.36% | 1.58% |
| Q3 2024 | $1.31B | $1.19B | 19.49% | 20.48% | 1.63% |
| Q4 2024 | $1.32B | $1.25B | 19.39% | 19.85% | 1.61% |
| Q1 2025 | $1.34B | $1.20B | 18.76% | 20.33% | 1.30% |
| Q2 2025 | $1.37B | $1.24B | 18.89% | 21.00% | 1.28% |
| Q3 2025 | $1.37B | $1.21B | 19.01% | 21.02% | 1.26% |
| Q4 2025 | $1.36B | $1.30B | 19.37% | 19.25% | 1.28% |
| Q1 2026 | $1.36B | $1.24B | 18.33% | 18.55% | 1.14% |
| Q2 2026 | $1.35B | $1.22B | 18.23% | 17.77% | 1.08% |
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 228) · FFIEC NIC profile (RSSD 735441)