Breda 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) dropped 3.87 percentage points in Q2 2026, from 26.29% to 22.42%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Breda Savings Bank is 175th of 225 on loan-to-deposit ratio, 66.24% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Breda Savings Bank sits 14.60 points lower, at 66.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.1M |
| Net loans and leases | $55.7M |
| Loans held for sale | $0 |
| Loans to total assets | 52.91% |
| Loan-to-deposit ratio | 66.24% |
| Net loans to equity capital | 6.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.46% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 24.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.13% |
| Construction concentration (Tier 1 capital + allowance) | 22.42% |
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 | 6.32% |
| Interest income on loans | $904K |
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 | $54.4M | $73.6M | 15.45% | 7.97% | 1.49% |
| Q4 2023 | $57.6M | $75.4M | 16.37% | 8.29% | 1.30% |
| Q1 2024 | $59.0M | $80.9M | 18.28% | 6.90% | 1.24% |
| Q2 2024 | $61.2M | $80.0M | 16.13% | 7.65% | 1.03% |
| Q3 2024 | $59.6M | $79.6M | 14.00% | 7.55% | 1.13% |
| Q4 2024 | $57.2M | $75.3M | 14.62% | 7.56% | 1.12% |
| Q1 2025 | $58.8M | $81.0M | 13.70% | 7.22% | 1.08% |
| Q2 2025 | $58.5M | $77.6M | 16.98% | 7.40% | 1.11% |
| Q3 2025 | $60.6M | $77.7M | 16.02% | 8.87% | 1.16% |
| Q4 2025 | $60.4M | $79.1M | 13.89% | 9.39% | 1.11% |
| Q1 2026 | $58.4M | $85.8M | 14.18% | 7.55% | 1.01% |
| Q2 2026 | $56.1M | $84.7M | 14.09% | 7.46% | 1.03% |
Breda Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Breda 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 Breda Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5792) · FFIEC NIC profile (RSSD 856542)