Bellevue 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.
The standout move of Q2 2026 was in Commercial and industrial: 3.19 percentage points higher than in Q1 2026, at 15.12%. Within Iowa, Bellevue State Bank is 115th of 225 on loan-to-deposit ratio, 81.89% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Bellevue State Bank reported 81.89% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.2M |
| Net loans and leases | $126.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.30% |
| Loan-to-deposit ratio | 81.89% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.52% |
| Multifamily (5+ residential) | 5.35% |
| Commercial and industrial | 15.12% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 22.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.92% |
| Construction concentration (Tier 1 capital + allowance) | 7.20% |
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 | 6.59% |
| Interest income on loans | $2.1M |
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 | $108.8M | $130.6M | 9.18% | 12.50% | 7.36% |
| Q4 2023 | $117.8M | $138.3M | 8.21% | 11.49% | 6.89% |
| Q1 2024 | $117.2M | $136.1M | 8.09% | 14.18% | 6.77% |
| Q2 2024 | $112.0M | $137.3M | 8.23% | 14.90% | 6.42% |
| Q3 2024 | $118.4M | $139.9M | 9.57% | 13.92% | 5.61% |
| Q4 2024 | $124.4M | $146.3M | 9.27% | 11.89% | 5.06% |
| Q1 2025 | $115.3M | $146.7M | 9.96% | 13.53% | 5.07% |
| Q2 2025 | $118.4M | $149.5M | 11.00% | 12.05% | 4.78% |
| Q3 2025 | $116.7M | $146.9M | 11.32% | 11.15% | 4.23% |
| Q4 2025 | $126.9M | $159.1M | 10.92% | 11.33% | 3.63% |
| Q1 2026 | $124.7M | $151.3M | 11.26% | 11.93% | 3.48% |
| Q2 2026 | $128.2M | $156.5M | 10.52% | 15.12% | 3.27% |
Bellevue State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bellevue 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 Bellevue State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14415) · FFIEC NIC profile (RSSD 178244)