The Clinton National 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.
Loan-to-deposit ratio climbed 5.71 percentage points in Q2 2026, from 62.72% to 68.43%. It was the largest change from Q1 2026 among the key lines here. The Clinton National Bank ranks 172nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 68.43% (Q2 2026). The Clinton National Bank reported 68.43% on loan-to-deposit ratio for Q2 2026, 12.41 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.2M |
| Net loans and leases | $230.0M |
| Loans held for sale | $338K |
| Loans to total assets | 58.82% |
| Loan-to-deposit ratio | 68.43% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.79% |
| Multifamily (5+ residential) | 2.17% |
| Commercial and industrial | 16.63% |
| Consumer | 2.07% |
| Credit cards | 0.00% |
| Farm | 19.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.02% |
| Construction concentration (Tier 1 capital + allowance) | 5.38% |
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 | 5.61% |
| Interest income on loans | $3.3M |
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 | $221.2M | $377.2M | 26.26% | 18.39% | 2.69% |
| Q4 2023 | $220.7M | $339.8M | 25.99% | 18.41% | 2.55% |
| Q1 2024 | $222.9M | $384.3M | 26.11% | 19.23% | 2.43% |
| Q2 2024 | $217.1M | $347.7M | 26.48% | 18.26% | 2.49% |
| Q3 2024 | $227.0M | $352.8M | 25.50% | 20.40% | 2.46% |
| Q4 2024 | $229.1M | $360.1M | 28.20% | 18.81% | 2.31% |
| Q1 2025 | $226.1M | $375.9M | 28.36% | 17.17% | 2.30% |
| Q2 2025 | $227.7M | $345.6M | 30.68% | 18.09% | 2.26% |
| Q3 2025 | $232.9M | $359.0M | 29.89% | 19.15% | 2.18% |
| Q4 2025 | $234.7M | $349.6M | 31.39% | 17.98% | 2.09% |
| Q1 2026 | $235.6M | $375.7M | 30.89% | 18.16% | 2.07% |
| Q2 2026 | $233.2M | $340.7M | 31.79% | 16.63% | 2.07% |
The Clinton National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clinton National 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 The Clinton National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4439) · FFIEC NIC profile (RSSD 773443)