City 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): 6.81 percentage points higher than in Q1 2026, at 214.83%. City State Bank ranks 92nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 86.57% (Q2 2026). City State Bank reported 86.57% on loan-to-deposit ratio for Q2 2026, 5.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $600.1M |
| Net loans and leases | $592.6M |
| Loans held for sale | $154K |
| Loans to total assets | 76.16% |
| Loan-to-deposit ratio | 86.57% |
| Net loans to equity capital | 7.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.25% |
| Multifamily (5+ residential) | 7.08% |
| Commercial and industrial | 11.75% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 19.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.83% |
| Construction concentration (Tier 1 capital + allowance) | 82.13% |
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 | $8.8M |
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 | $524.0M | $612.9M | 24.91% | 11.75% | 1.17% |
| Q4 2023 | $528.9M | $654.5M | 24.82% | 11.39% | 1.20% |
| Q1 2024 | $536.7M | $655.2M | 25.03% | 12.59% | 1.16% |
| Q2 2024 | $551.9M | $634.9M | 26.55% | 12.34% | 1.00% |
| Q3 2024 | $562.2M | $651.2M | 26.59% | 11.48% | 1.11% |
| Q4 2024 | $568.5M | $682.4M | 27.91% | 11.35% | 0.90% |
| Q1 2025 | $557.2M | $689.9M | 27.11% | 10.60% | 0.81% |
| Q2 2025 | $572.0M | $661.4M | 27.15% | 11.13% | 0.73% |
| Q3 2025 | $590.6M | $641.6M | 26.36% | 11.86% | 0.72% |
| Q4 2025 | $582.3M | $684.1M | 26.01% | 11.56% | 0.74% |
| Q1 2026 | $583.0M | $697.2M | 25.50% | 11.64% | 0.65% |
| Q2 2026 | $600.1M | $693.2M | 25.25% | 11.75% | 0.59% |
City State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14410) · FFIEC NIC profile (RSSD 252041)