Bankers Trust Company: 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 dropped 11.05 percentage points in Q2 2026, from 100.74% to 89.69%. It was the largest change from Q1 2026 among the key lines here. Bankers Trust Company ranks 76th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 89.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bankers Trust Company reported 89.69% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.02B |
| Net loans and leases | $5.94B |
| Loans held for sale | $1.8M |
| Loans to total assets | 76.91% |
| Loan-to-deposit ratio | 89.69% |
| Net loans to equity capital | 8.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.29% |
| Multifamily (5+ residential) | 6.36% |
| Commercial and industrial | 24.04% |
| Consumer | 0.42% |
| Credit cards | 0.03% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 371.57% |
| Construction concentration (Tier 1 capital + allowance) | 59.28% |
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 | 5.75% |
| Interest income on loans | $85.3M |
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 | $5.08B | $4.93B | 44.29% | 26.66% | 0.55% |
| Q4 2023 | $5.12B | $5.05B | 44.20% | 25.42% | 0.56% |
| Q1 2024 | $5.19B | $5.14B | 44.43% | 23.95% | 0.55% |
| Q2 2024 | $5.28B | $5.15B | 43.84% | 23.32% | 0.53% |
| Q3 2024 | $5.51B | $5.27B | 44.25% | 22.75% | 0.50% |
| Q4 2024 | $5.68B | $5.81B | 43.94% | 23.42% | 0.48% |
| Q1 2025 | $5.80B | $5.72B | 44.61% | 24.33% | 0.45% |
| Q2 2025 | $5.94B | $5.63B | 45.83% | 23.78% | 0.42% |
| Q3 2025 | $5.85B | $5.73B | 46.84% | 21.25% | 0.43% |
| Q4 2025 | $5.89B | $6.06B | 44.25% | 22.89% | 0.41% |
| Q1 2026 | $5.89B | $5.85B | 44.49% | 22.47% | 0.43% |
| Q2 2026 | $6.02B | $6.72B | 43.29% | 24.04% | 0.42% |
Bankers Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers Trust Company, 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 Bankers Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 953) · FFIEC NIC profile (RSSD 811046)