Central State 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 CRE concentration (Tier 1 capital + allowance): 29.60 percentage points lower than in Q1 2026, at 358.62%. Within Iowa, Central State Bank is 45th of 225 on loan-to-deposit ratio, 95.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Central State Bank sits 15.13 points higher, at 95.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $445.8M |
| Net loans and leases | $441.3M |
| Loans held for sale | $0 |
| Loans to total assets | 79.92% |
| Loan-to-deposit ratio | 95.69% |
| Net loans to equity capital | 8.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.18% |
| Multifamily (5+ residential) | 5.02% |
| Commercial and industrial | 20.11% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 2.78% |
| Loans to depository institutions | 3.47% |
| State and political subdivisions | 4.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 358.62% |
| Construction concentration (Tier 1 capital + allowance) | 40.02% |
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 | 5.86% |
| Interest income on loans | $6.5M |
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 | $374.1M | $389.0M | 43.30% | 21.65% | 1.68% |
| Q4 2023 | $405.1M | $397.6M | 42.87% | 22.71% | 1.67% |
| Q1 2024 | $412.9M | $426.7M | 41.31% | 24.05% | 1.73% |
| Q2 2024 | $424.9M | $451.5M | 41.78% | 23.19% | 1.76% |
| Q3 2024 | $438.0M | $460.5M | 42.26% | 23.95% | 1.71% |
| Q4 2024 | $440.2M | $455.6M | 41.54% | 20.87% | 1.69% |
| Q1 2025 | $440.0M | $464.5M | 41.11% | 20.54% | 1.62% |
| Q2 2025 | $423.3M | $453.7M | 43.36% | 19.74% | 1.65% |
| Q3 2025 | $431.3M | $458.6M | 43.11% | 19.99% | 1.61% |
| Q4 2025 | $448.8M | $477.6M | 45.07% | 18.94% | 1.49% |
| Q1 2026 | $447.5M | $470.6M | 45.73% | 18.24% | 1.56% |
| Q2 2026 | $445.8M | $465.9M | 44.18% | 20.11% | 1.58% |
Central State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10903) · FFIEC NIC profile (RSSD 607146)