Availa 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 5.09 percentage points in Q2 2026, from 200.78% to 195.69%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Availa Bank is 106th of 225 on loan-to-deposit ratio, 83.82% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Availa Bank sits 4.38 points lower, at 83.82% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.19B |
| Net loans and leases | $1.18B |
| Loans held for sale | $154K |
| Loans to total assets | 68.74% |
| Loan-to-deposit ratio | 83.82% |
| Net loans to equity capital | 7.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.49% |
| Multifamily (5+ residential) | 8.59% |
| Commercial and industrial | 10.23% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 17.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.69% |
| Construction concentration (Tier 1 capital + allowance) | 37.33% |
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 | $17.9M |
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 | $1.03B | $1.28B | 26.21% | 10.81% | 0.49% |
| Q4 2023 | $1.06B | $1.34B | 25.86% | 10.80% | 0.50% |
| Q1 2024 | $1.07B | $1.33B | 25.29% | 11.76% | 0.46% |
| Q2 2024 | $1.07B | $1.33B | 25.83% | 11.35% | 0.42% |
| Q3 2024 | $1.06B | $1.35B | 25.96% | 10.82% | 0.36% |
| Q4 2024 | $1.10B | $1.37B | 25.89% | 10.10% | 0.33% |
| Q1 2025 | $1.10B | $1.39B | 25.80% | 9.83% | 0.30% |
| Q2 2025 | $1.12B | $1.36B | 24.86% | 11.11% | 0.28% |
| Q3 2025 | $1.14B | $1.40B | 25.68% | 10.60% | 0.27% |
| Q4 2025 | $1.17B | $1.35B | 25.68% | 9.85% | 0.25% |
| Q1 2026 | $1.20B | $1.42B | 25.24% | 10.56% | 0.23% |
| Q2 2026 | $1.19B | $1.42B | 24.49% | 10.23% | 0.23% |
Availa Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Availa 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 Availa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11771) · FFIEC NIC profile (RSSD 859141)