Community Bank of Oelwein: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 6.21 percentage points lower than in Q2 2026, at 77.89%. Within Iowa, Community Bank of Oelwein is 115th of 225 on loan-to-deposit ratio, 82.30% as of Q3 2026, below the middle of the field. Community Bank of Oelwein reported 82.30% on loan-to-deposit ratio for Q3 2026, 14.37 points above the 67.92% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $61.8M |
| Net loans and leases | $61.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.11% |
| Loan-to-deposit ratio | 82.30% |
| Net loans to equity capital | 4.71% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.53% |
| Consumer | 2.86% |
| Credit cards | 0.00% |
| Farm | 10.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.89% |
| Construction concentration (Tier 1 capital + allowance) | 8.40% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.30% |
| Interest income on loans | $969K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $62.3M | $90.3M | 30.59% | 15.24% | 4.47% |
| Q1 2024 | $65.9M | $90.2M | 31.53% | 14.86% | 4.19% |
| Q2 2024 | $68.3M | $91.8M | 33.37% | 14.65% | 4.15% |
| Q3 2024 | $68.8M | $90.4M | 33.30% | 15.22% | 3.85% |
| Q4 2024 | $72.0M | $89.0M | 32.89% | 15.45% | 3.52% |
| Q1 2025 | $71.5M | $92.6M | 33.60% | 14.51% | 3.32% |
| Q2 2025 | $70.6M | $86.4M | 32.79% | 14.48% | 3.12% |
| Q3 2025 | $67.3M | $86.1M | 32.44% | 14.28% | 2.55% |
| Q4 2025 | $66.3M | $83.2M | 29.66% | 15.76% | 2.95% |
| Q1 2026 | $64.4M | $79.0M | 30.69% | 16.06% | 2.92% |
| Q2 2026 | $61.0M | $75.0M | 30.56% | 14.23% | 3.00% |
| Q3 2026 | $61.8M | $75.1M | 30.13% | 15.53% | 2.86% |
Community Bank of Oelwein loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oelwein, 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 Community Bank of Oelwein profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34857) · FFIEC NIC profile (RSSD 2702764)