Bank Iowa: 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): 8.37 percentage points lower than in Q1 2026, at 78.93%. Within Iowa, Bank Iowa is 67th of 225 on loan-to-deposit ratio, 91.15% 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. Bank Iowa sits 2.95 points higher, at 91.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.80B |
| Net loans and leases | $1.77B |
| Loans held for sale | $2.2M |
| Loans to total assets | 76.50% |
| Loan-to-deposit ratio | 91.15% |
| Net loans to equity capital | 8.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.48% |
| Multifamily (5+ residential) | 7.85% |
| Commercial and industrial | 9.87% |
| Consumer | 0.53% |
| Credit cards | 0.07% |
| Farm | 17.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.37% |
| Construction concentration (Tier 1 capital + allowance) | 78.93% |
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 | 6.30% |
| Interest income on loans | $28.4M |
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 | $1.49B | $1.58B | 26.68% | 10.91% | 0.94% |
| Q4 2023 | $1.53B | $1.71B | 26.48% | 10.27% | 0.88% |
| Q1 2024 | $1.52B | $1.73B | 27.06% | 10.04% | 0.85% |
| Q2 2024 | $1.55B | $1.70B | 27.23% | 10.56% | 0.83% |
| Q3 2024 | $1.59B | $1.76B | 27.72% | 9.73% | 0.81% |
| Q4 2024 | $1.65B | $1.75B | 26.88% | 8.88% | 0.73% |
| Q1 2025 | $1.64B | $1.80B | 26.99% | 8.52% | 0.69% |
| Q2 2025 | $1.68B | $1.81B | 27.41% | 8.17% | 0.65% |
| Q3 2025 | $1.75B | $2.03B | 27.56% | 8.75% | 0.63% |
| Q4 2025 | $1.79B | $2.03B | 27.67% | 8.44% | 0.60% |
| Q1 2026 | $1.80B | $1.97B | 27.58% | 8.63% | 0.52% |
| Q2 2026 | $1.80B | $1.97B | 27.48% | 9.87% | 0.53% |
Bank Iowa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Iowa, 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 Bank Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14521) · FFIEC NIC profile (RSSD 187947)