Capra 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 24.89 percentage points in Q2 2026, from 115.24% to 90.35%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Capra Bank is 19th from the bottom among 225 Iowa banks, 50.97% (Q2 2026). Capra Bank reported 50.97% on loan-to-deposit ratio for Q2 2026, 37.23 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $563.9M |
| Net loans and leases | $558.6M |
| Loans held for sale | $0 |
| Loans to total assets | 41.99% |
| Loan-to-deposit ratio | 50.97% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.63% |
| Multifamily (5+ residential) | 4.42% |
| Commercial and industrial | 31.96% |
| Consumer | 2.15% |
| Credit cards | 0.00% |
| Farm | 3.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.57% |
| Construction concentration (Tier 1 capital + allowance) | 90.35% |
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 | 6.91% |
| Interest income on loans | $9.1M |
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 | $32.0M | $122.9M | 4.88% | 35.75% | 8.36% |
| Q4 2023 | $53.7M | $188.9M | 8.18% | 40.83% | 6.59% |
| Q1 2024 | $99.7M | $240.6M | 7.52% | 44.08% | 3.95% |
| Q2 2024 | $130.9M | $289.3M | 6.80% | 43.94% | 3.66% |
| Q3 2024 | $159.1M | $388.8M | 10.97% | 46.52% | 3.23% |
| Q4 2024 | $234.1M | $492.9M | 12.81% | 45.68% | 1.64% |
| Q1 2025 | $302.4M | $649.6M | 14.35% | 46.11% | 2.11% |
| Q2 2025 | $353.3M | $701.4M | 16.14% | 40.86% | 2.50% |
| Q3 2025 | $399.8M | $912.2M | 20.92% | 37.39% | 2.90% |
| Q4 2025 | $464.3M | $883.2M | 20.42% | 38.36% | 1.97% |
| Q1 2026 | $482.6M | $1.04B | 22.34% | 35.58% | 1.99% |
| Q2 2026 | $563.9M | $1.11B | 25.63% | 31.96% | 2.15% |
Capra Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capra 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 Capra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16363) · FFIEC NIC profile (RSSD 1013744)