Cherokee 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.
Cre concentration (tier 1 capital + allowance) dropped 14.68 percentage points in Q2 2026, from 53.07% to 38.39%. It was the largest change from Q1 2026 among the key lines here. Cherokee State Bank ranks 111th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 83.47% (Q2 2026). Cherokee State Bank reported 83.47% on loan-to-deposit ratio for Q2 2026, 2.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $182.7M |
| Net loans and leases | $180.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.41% |
| Loan-to-deposit ratio | 83.47% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.35% |
| Multifamily (5+ residential) | 1.70% |
| Commercial and industrial | 11.25% |
| Consumer | 1.50% |
| Credit cards | 0.00% |
| Farm | 31.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.39% |
| Construction concentration (Tier 1 capital + allowance) | 8.18% |
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 | 6.40% |
| Interest income on loans | $2.9M |
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 | $159.7M | $223.0M | 20.07% | 12.66% | 0.85% |
| Q4 2023 | $166.8M | $216.7M | 18.25% | 9.94% | 0.89% |
| Q1 2024 | $169.9M | $216.9M | 18.37% | 10.64% | 0.83% |
| Q2 2024 | $168.5M | $212.0M | 18.46% | 10.95% | 1.04% |
| Q3 2024 | $167.7M | $217.3M | 18.09% | 10.61% | 1.09% |
| Q4 2024 | $172.7M | $210.5M | 17.73% | 8.56% | 0.81% |
| Q1 2025 | $172.4M | $218.7M | 17.74% | 7.77% | 0.99% |
| Q2 2025 | $173.0M | $215.7M | 17.82% | 8.30% | 0.91% |
| Q3 2025 | $173.7M | $212.6M | 18.49% | 8.39% | 0.97% |
| Q4 2025 | $183.7M | $211.8M | 17.46% | 10.45% | 0.86% |
| Q1 2026 | $182.9M | $226.5M | 16.89% | 11.16% | 0.94% |
| Q2 2026 | $182.7M | $218.9M | 17.35% | 11.25% | 1.50% |
Cherokee State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cherokee 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 Cherokee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 951) · FFIEC NIC profile (RSSD 205542)