Charter 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.
Cre concentration (tier 1 capital + allowance) dropped 21.83 percentage points in Q2 2026, from 99.27% to 77.44%. It was the largest change from Q1 2026 among the key lines here. Charter Bank ranks 119th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 81.65% (Q2 2026). At 81.65%, Charter Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.1M |
| Net loans and leases | $164.5M |
| Loans held for sale | $370K |
| Loans to total assets | 73.01% |
| Loan-to-deposit ratio | 81.65% |
| Net loans to equity capital | 7.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.51% |
| Multifamily (5+ residential) | 0.71% |
| Commercial and industrial | 13.34% |
| Consumer | 3.43% |
| Credit cards | 0.00% |
| Farm | 5.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.44% |
| Construction concentration (Tier 1 capital + allowance) | 15.97% |
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 | 6.18% |
| Interest income on loans | $2.6M |
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 | $139.4M | $175.8M | 30.84% | 12.63% | 3.97% |
| Q4 2023 | $142.0M | $182.0M | 31.93% | 12.56% | 3.54% |
| Q1 2024 | $141.5M | $182.6M | 31.81% | 13.12% | 3.55% |
| Q2 2024 | $141.4M | $180.1M | 31.45% | 13.72% | 3.21% |
| Q3 2024 | $144.9M | $175.6M | 31.30% | 13.23% | 3.21% |
| Q4 2024 | $148.9M | $186.5M | 35.86% | 12.85% | 3.10% |
| Q1 2025 | $149.3M | $187.0M | 37.02% | 12.47% | 2.89% |
| Q2 2025 | $154.1M | $188.1M | 37.24% | 11.89% | 2.65% |
| Q3 2025 | $155.1M | $186.1M | 36.07% | 12.74% | 2.86% |
| Q4 2025 | $158.5M | $199.7M | 36.70% | 13.16% | 3.09% |
| Q1 2026 | $167.1M | $203.2M | 36.91% | 14.17% | 2.18% |
| Q2 2026 | $166.1M | $203.5M | 36.51% | 13.34% | 3.43% |
Charter Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter 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 Charter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34686) · FFIEC NIC profile (RSSD 2705112)