Commercial Savings 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 Construction concentration (Tier 1 capital + allowance): 4.44 percentage points higher than in Q1 2026, at 29.49%. Within Iowa, Commercial Savings Bank is 36th of 225 on loan-to-deposit ratio, 98.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Savings Bank sits 17.37 points higher, at 98.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $287.5M |
| Net loans and leases | $284.9M |
| Loans held for sale | $0 |
| Loans to total assets | 82.41% |
| Loan-to-deposit ratio | 98.21% |
| Net loans to equity capital | 10.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.32% |
| Multifamily (5+ residential) | 1.36% |
| Commercial and industrial | 9.16% |
| Consumer | 2.17% |
| Credit cards | 0.00% |
| Farm | 9.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.05% |
| Construction concentration (Tier 1 capital + allowance) | 29.49% |
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 | 6.07% |
| Interest income on loans | $4.3M |
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 | $199.6M | $241.5M | 14.79% | 12.58% | 3.41% |
| Q4 2023 | $208.4M | $249.1M | 15.15% | 12.24% | 3.46% |
| Q1 2024 | $214.3M | $250.0M | 14.63% | 12.46% | 3.34% |
| Q2 2024 | $222.2M | $252.2M | 14.36% | 11.89% | 3.67% |
| Q3 2024 | $232.5M | $258.2M | 14.92% | 12.09% | 3.26% |
| Q4 2024 | $238.1M | $269.1M | 16.05% | 11.82% | 3.00% |
| Q1 2025 | $241.0M | $271.4M | 16.86% | 11.61% | 2.78% |
| Q2 2025 | $244.9M | $255.5M | 18.84% | 11.15% | 2.66% |
| Q3 2025 | $254.1M | $259.9M | 17.81% | 11.66% | 2.57% |
| Q4 2025 | $265.1M | $278.4M | 17.27% | 9.86% | 2.38% |
| Q1 2026 | $275.8M | $277.8M | 19.24% | 9.21% | 2.39% |
| Q2 2026 | $287.5M | $292.7M | 18.32% | 9.16% | 2.17% |
Commercial Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Savings 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 Commercial Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 231) · FFIEC NIC profile (RSSD 194440)