Atkins Savings Bank & Trust: 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 Construction concentration (Tier 1 capital + allowance): 2.89 percentage points higher than in Q1 2026, at 23.89%. Atkins Savings Bank & Trust ranks 104th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 84.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Atkins Savings Bank & Trust sits 3.18 points higher, at 84.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.9M |
| Net loans and leases | $121.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.36% |
| Loan-to-deposit ratio | 84.02% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.86% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 12.45% |
| Consumer | 3.49% |
| Credit cards | 0.00% |
| Farm | 21.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.32% |
| Construction concentration (Tier 1 capital + allowance) | 23.89% |
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 | 6.35% |
| Interest income on loans | $2.0M |
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 | $90.4M | $111.6M | 12.69% | 12.20% | 5.77% |
| Q4 2023 | $95.3M | $123.2M | 11.82% | 11.94% | 5.41% |
| Q1 2024 | $97.1M | $123.0M | 12.02% | 12.76% | 5.15% |
| Q2 2024 | $98.1M | $123.0M | 11.65% | 13.90% | 5.24% |
| Q3 2024 | $100.5M | $124.7M | 11.43% | 12.77% | 5.15% |
| Q4 2024 | $105.2M | $132.7M | 10.99% | 13.10% | 4.99% |
| Q1 2025 | $108.5M | $138.1M | 11.07% | 13.49% | 4.71% |
| Q2 2025 | $108.1M | $137.3M | 10.77% | 12.74% | 4.78% |
| Q3 2025 | $111.3M | $138.8M | 11.91% | 13.44% | 4.45% |
| Q4 2025 | $116.9M | $139.2M | 13.05% | 11.74% | 3.94% |
| Q1 2026 | $124.1M | $147.2M | 12.45% | 11.89% | 3.83% |
| Q2 2026 | $122.9M | $146.2M | 12.86% | 12.45% | 3.49% |
Atkins Savings Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Atkins Savings Bank & Trust, 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 Atkins Savings Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9096) · FFIEC NIC profile (RSSD 739346)