Community 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): 11.25 percentage points lower than in Q1 2026, at 60.61%. Within Iowa, Community Savings Bank is 98th of 225 on loan-to-deposit ratio, 84.78% as of Q2 2026, above the middle of the field. Community Savings Bank reported 84.78% on loan-to-deposit ratio for Q2 2026, 3.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $425.1M |
| Net loans and leases | $419.9M |
| Loans held for sale | $244K |
| Loans to total assets | 69.28% |
| Loan-to-deposit ratio | 84.78% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.20% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 10.50% |
| Consumer | 2.05% |
| Credit cards | 0.00% |
| Farm | 19.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.89% |
| Construction concentration (Tier 1 capital + allowance) | 60.61% |
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 | 6.29% |
| Interest income on loans | $6.6M |
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 | $400.1M | $449.4M | 26.87% | 13.52% | 2.90% |
| Q4 2023 | $421.9M | $452.5M | 25.33% | 14.68% | 2.90% |
| Q1 2024 | $427.3M | $468.0M | 26.48% | 14.31% | 2.67% |
| Q2 2024 | $419.0M | $462.7M | 26.91% | 12.95% | 2.64% |
| Q3 2024 | $422.9M | $456.3M | 27.42% | 11.66% | 2.50% |
| Q4 2024 | $448.6M | $467.6M | 25.98% | 13.17% | 2.29% |
| Q1 2025 | $450.0M | $474.6M | 25.41% | 14.66% | 2.12% |
| Q2 2025 | $442.7M | $470.5M | 25.54% | 11.88% | 2.04% |
| Q3 2025 | $438.7M | $458.9M | 26.26% | 12.20% | 2.04% |
| Q4 2025 | $433.6M | $493.9M | 25.92% | 11.35% | 2.05% |
| Q1 2026 | $426.0M | $496.4M | 25.62% | 10.96% | 2.04% |
| Q2 2026 | $425.1M | $501.4M | 27.20% | 10.50% | 2.05% |
Community Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14633) · FFIEC NIC profile (RSSD 646743)