Central 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.
The standout move of Q2 2026 was in Loans held for sale: 100.0% higher than in Q1 2026, at $19.7M. On loan-to-deposit ratio, Central Bank ranks 12th highest among the 225 banks headquartered in Iowa, at 106.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central Bank sits 18.45 points higher, at 106.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.00B |
| Net loans and leases | $1.98B |
| Loans held for sale | $19.7M |
| Loans to total assets | 87.24% |
| Loan-to-deposit ratio | 106.65% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.70% |
| Multifamily (5+ residential) | 6.42% |
| Commercial and industrial | 16.48% |
| Consumer | 0.85% |
| Credit cards | 0.18% |
| Farm | 5.66% |
| Loans to depository institutions | 0.72% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.71% |
| Construction concentration (Tier 1 capital + allowance) | 63.59% |
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 | 5.87% |
| Interest income on loans | $29.2M |
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 | $1.86B | $1.71B | 31.96% | 15.99% | 1.16% |
| Q4 2023 | $1.89B | $1.73B | 33.09% | 15.23% | 1.09% |
| Q1 2024 | $1.91B | $1.81B | 34.85% | 15.72% | 1.12% |
| Q2 2024 | $1.93B | $1.80B | 34.20% | 16.20% | 1.07% |
| Q3 2024 | $1.93B | $1.82B | 34.43% | 16.29% | 1.07% |
| Q4 2024 | $1.91B | $1.84B | 35.83% | 16.73% | 1.03% |
| Q1 2025 | $1.89B | $1.86B | 34.21% | 17.99% | 1.02% |
| Q2 2025 | $1.89B | $1.82B | 34.41% | 18.20% | 1.01% |
| Q3 2025 | $1.93B | $1.91B | 35.21% | 17.46% | 0.96% |
| Q4 2025 | $1.96B | $1.90B | 35.47% | 17.07% | 0.90% |
| Q1 2026 | $1.97B | $1.89B | 35.51% | 17.22% | 0.86% |
| Q2 2026 | $2.00B | $1.87B | 35.70% | 16.48% | 0.85% |
Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15555) · FFIEC NIC profile (RSSD 546544)