Ashton 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.
The standout move of Q2 2026 was in Commercial real estate (nonfarm nonresidential): 2.49 percentage points lower than in Q1 2026, at 4.31%. Ashton State Bank ranks 134th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 77.64% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Ashton State Bank sits 10.01 points higher, at 77.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.6M |
| Net loans and leases | $34.2M |
| Loans held for sale | $0 |
| Loans to total assets | 63.43% |
| Loan-to-deposit ratio | 77.64% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.46% |
| Consumer | 5.81% |
| Credit cards | 0.00% |
| Farm | 25.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.63% |
| Interest income on loans | $589K |
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 | $33.9M | $41.9M | 6.62% | 15.32% | 5.61% |
| Q4 2023 | $35.9M | $41.4M | 6.79% | 13.43% | 5.23% |
| Q1 2024 | $35.7M | $43.9M | 6.54% | 13.67% | 5.29% |
| Q2 2024 | $36.8M | $44.0M | 6.27% | 17.18% | 5.31% |
| Q3 2024 | $37.2M | $42.5M | 6.14% | 16.64% | 5.48% |
| Q4 2024 | $38.8M | $45.4M | 5.81% | 14.95% | 5.23% |
| Q1 2025 | $37.6M | $46.2M | 5.93% | 15.00% | 5.34% |
| Q2 2025 | $35.1M | $45.2M | 7.13% | 16.76% | 5.44% |
| Q3 2025 | $33.9M | $44.0M | 7.30% | 16.03% | 5.69% |
| Q4 2025 | $35.3M | $44.1M | 6.93% | 15.66% | 5.26% |
| Q1 2026 | $35.5M | $45.3M | 6.80% | 16.57% | 5.61% |
| Q2 2026 | $34.6M | $44.5M | 4.31% | 16.46% | 5.81% |
Ashton State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ashton 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 Ashton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11343) · FFIEC NIC profile (RSSD 821643)