Audubon 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.
Loan-to-deposit ratio climbed 9.94 percentage points in Q2 2026, from 84.08% to 94.02%. It was the largest change from Q1 2026 among the key lines here. Audubon State Bank ranks 54th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Audubon State Bank sits 13.47 points higher, at 94.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.2M |
| Net loans and leases | $121.8M |
| Loans held for sale | $0 |
| Loans to total assets | 79.28% |
| Loan-to-deposit ratio | 94.02% |
| Net loans to equity capital | 6.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.92% |
| Multifamily (5+ residential) | 0.50% |
| Commercial and industrial | 10.32% |
| Consumer | 1.93% |
| Credit cards | 0.00% |
| Farm | 21.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.26% |
| Construction concentration (Tier 1 capital + allowance) | 62.01% |
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 | 6.60% |
| 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 | $107.1M | $121.8M | 17.17% | 8.84% | 3.39% |
| Q4 2023 | $110.8M | $114.8M | 14.27% | 8.45% | 3.28% |
| Q1 2024 | $108.4M | $120.3M | 13.63% | 7.17% | 3.25% |
| Q2 2024 | $108.3M | $119.6M | 11.96% | 9.29% | 3.20% |
| Q3 2024 | $119.1M | $124.5M | 11.73% | 10.27% | 2.86% |
| Q4 2024 | $123.7M | $133.9M | 12.46% | 10.62% | 2.61% |
| Q1 2025 | $116.0M | $138.2M | 14.71% | 11.62% | 2.52% |
| Q2 2025 | $121.3M | $130.9M | 13.30% | 13.18% | 2.38% |
| Q3 2025 | $129.0M | $140.0M | 12.19% | 13.65% | 2.17% |
| Q4 2025 | $130.2M | $139.6M | 11.96% | 10.11% | 2.07% |
| Q1 2026 | $120.2M | $143.0M | 13.05% | 10.76% | 2.11% |
| Q2 2026 | $123.2M | $131.0M | 12.92% | 10.32% | 1.93% |
Audubon State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Audubon 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 Audubon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5814) · FFIEC NIC profile (RSSD 760649)