CBI Bank & Trust: 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.
Loans to total assets dropped 1.75 percentage points in Q2 2026, from 64.95% to 63.19%. It was the largest change from Q1 2026 among the key lines here. CBI Bank & Trust ranks 146th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 74.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. CBI Bank & Trust sits 13.47 points lower, at 74.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.06B |
| Loans held for sale | $251K |
| Loans to total assets | 63.19% |
| Loan-to-deposit ratio | 74.73% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.88% |
| Multifamily (5+ residential) | 3.66% |
| Commercial and industrial | 14.76% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 12.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.19% |
| Construction concentration (Tier 1 capital + allowance) | 29.30% |
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 | 6.10% |
| Interest income on loans | $16.4M |
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 | $726.6M | $1.03B | 28.48% | 15.11% | 1.42% |
| Q4 2023 | $985.1M | $1.29B | 29.89% | 15.23% | 1.24% |
| Q1 2024 | $1.02B | $1.37B | 29.07% | 15.08% | 1.19% |
| Q2 2024 | $1.01B | $1.35B | 29.63% | 14.77% | 1.22% |
| Q3 2024 | $1.01B | $1.33B | 29.56% | 14.29% | 1.22% |
| Q4 2024 | $1.03B | $1.34B | 28.40% | 15.19% | 1.11% |
| Q1 2025 | $1.01B | $1.37B | 28.65% | 15.58% | 1.05% |
| Q2 2025 | $1.01B | $1.35B | 28.82% | 15.59% | 1.13% |
| Q3 2025 | $1.03B | $1.37B | 29.33% | 15.49% | 1.10% |
| Q4 2025 | $1.08B | $1.41B | 30.15% | 15.69% | 0.99% |
| Q1 2026 | $1.08B | $1.41B | 29.29% | 15.90% | 0.92% |
| Q2 2026 | $1.08B | $1.44B | 29.88% | 14.76% | 0.90% |
CBI Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CBI Bank & Trust, 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 CBI Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1552) · FFIEC NIC profile (RSSD 830542)