Community 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 Farm: 2.04 percentage points higher than in Q1 2026, at 11.75%. Community State Bank has the 8th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 39.56% as of Q2 2026. Community State Bank reported 39.56% on loan-to-deposit ratio for Q2 2026, 27.77 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.3M |
| Net loans and leases | $13.2M |
| Loans held for sale | $0 |
| Loans to total assets | 32.07% |
| Loan-to-deposit ratio | 39.56% |
| Net loans to equity capital | 1.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.84% |
| Consumer | 6.55% |
| Credit cards | 0.00% |
| Farm | 11.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.11% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.06% |
| Interest income on loans | $248K |
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 | $15.5M | $39.3M | 4.60% | 18.52% | 5.98% |
| Q4 2023 | $17.2M | $38.8M | 4.06% | 16.98% | 5.11% |
| Q1 2024 | $16.2M | $38.5M | 4.25% | 16.15% | 6.19% |
| Q2 2024 | $16.4M | $36.4M | 4.16% | 16.19% | 11.36% |
| Q3 2024 | $16.1M | $35.3M | 4.18% | 16.32% | 6.75% |
| Q4 2024 | $16.5M | $34.6M | 3.87% | 17.40% | 5.82% |
| Q1 2025 | $14.7M | $34.8M | 4.30% | 17.85% | 6.83% |
| Q2 2025 | $14.2M | $34.6M | 3.75% | 16.31% | 8.48% |
| Q3 2025 | $14.0M | $34.2M | 3.90% | 11.95% | 5.88% |
| Q4 2025 | $14.4M | $35.1M | 3.83% | 12.39% | 5.05% |
| Q1 2026 | $13.8M | $35.1M | 3.95% | 12.12% | 5.33% |
| Q2 2026 | $13.3M | $33.6M | 5.20% | 12.84% | 6.55% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17551) · FFIEC NIC profile (RSSD 92144)