Cedar Rapids Bank and Trust Company: 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.
Cre concentration (tier 1 capital + allowance) dropped 13.10 percentage points in Q2 2026, from 248.54% to 235.44%. It was the largest change from Q1 2026 among the key lines here. Cedar Rapids Bank and Trust Company ranks 39th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 96.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cedar Rapids Bank and Trust Company sits 8.74 points higher, at 96.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.01B |
| Net loans and leases | $1.99B |
| Loans held for sale | $421K |
| Loans to total assets | 69.37% |
| Loan-to-deposit ratio | 96.95% |
| Net loans to equity capital | 4.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.50% |
| Multifamily (5+ residential) | 35.22% |
| Commercial and industrial | 23.78% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.44% |
| Construction concentration (Tier 1 capital + allowance) | 46.98% |
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 | 5.96% |
| Interest income on loans | $28.7M |
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 | $1.75B | $1.72B | 21.14% | 26.96% | 0.26% |
| Q4 2023 | $1.70B | $1.75B | 21.64% | 26.62% | 0.28% |
| Q1 2024 | $1.68B | $1.76B | 22.55% | 25.82% | 0.30% |
| Q2 2024 | $1.74B | $1.72B | 21.48% | 25.37% | 0.33% |
| Q3 2024 | $1.74B | $1.77B | 21.36% | 25.14% | 0.41% |
| Q4 2024 | $1.76B | $1.88B | 19.92% | 27.48% | 0.31% |
| Q1 2025 | $1.79B | $1.88B | 18.97% | 26.47% | 0.33% |
| Q2 2025 | $1.85B | $1.88B | 18.18% | 25.12% | 0.52% |
| Q3 2025 | $1.89B | $1.89B | 18.05% | 22.33% | 0.60% |
| Q4 2025 | $1.99B | $1.98B | 18.31% | 23.36% | 0.34% |
| Q1 2026 | $2.02B | $1.98B | 17.06% | 22.32% | 0.32% |
| Q2 2026 | $2.01B | $2.08B | 17.50% | 23.78% | 0.25% |
Cedar Rapids Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids Bank and Trust Company, 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 Cedar Rapids Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57244) · FFIEC NIC profile (RSSD 3029589)