Blue Grass Savings 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.
Construction concentration (tier 1 capital + allowance) climbed 2.89 percentage points in Q2 2026, from 10.82% to 13.71%. It was the largest change from Q1 2026 among the key lines here. Blue Grass Savings Bank ranks 184th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 63.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Blue Grass Savings Bank sits 17.68 points lower, at 63.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.2M |
| Net loans and leases | $114.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.99% |
| Loan-to-deposit ratio | 63.16% |
| Net loans to equity capital | 3.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.57% |
| Multifamily (5+ residential) | 1.84% |
| Commercial and industrial | 16.44% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 4.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.23% |
| Construction concentration (Tier 1 capital + allowance) | 13.71% |
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 | $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 | $107.7M | $188.8M | 25.97% | 14.28% | 0.97% |
| Q4 2023 | $109.5M | $186.8M | 26.16% | 15.31% | 0.97% |
| Q1 2024 | $109.1M | $193.0M | 27.10% | 14.10% | 1.00% |
| Q2 2024 | $111.7M | $191.4M | 27.66% | 14.20% | 0.92% |
| Q3 2024 | $109.2M | $193.1M | 28.34% | 13.40% | 0.96% |
| Q4 2024 | $114.8M | $188.3M | 27.10% | 13.70% | 0.85% |
| Q1 2025 | $112.5M | $189.6M | 26.04% | 13.84% | 0.88% |
| Q2 2025 | $114.1M | $187.9M | 27.10% | 15.02% | 0.88% |
| Q3 2025 | $116.8M | $185.2M | 26.10% | 14.89% | 0.85% |
| Q4 2025 | $118.9M | $180.7M | 26.02% | 14.41% | 0.72% |
| Q1 2026 | $117.9M | $182.8M | 26.42% | 15.60% | 0.69% |
| Q2 2026 | $117.2M | $185.6M | 26.57% | 16.44% | 0.69% |
Blue Grass Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Grass Savings 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 Blue Grass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13753) · FFIEC NIC profile (RSSD 794345)