Connection 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.
Construction concentration (Tier 1 capital + allowance) climbed 12.61 percentage points in Q2 2026, from 13.98% to 26.59%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Connection Bank sits 18th from the top on loan-to-deposit ratio, 105.26% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Connection Bank sits 24.71 points higher, at 105.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $476.2M |
| Net loans and leases | $470.7M |
| Loans held for sale | $0 |
| Loans to total assets | 88.03% |
| Loan-to-deposit ratio | 105.26% |
| Net loans to equity capital | 8.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.86% |
| Multifamily (5+ residential) | 3.82% |
| Commercial and industrial | 12.59% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 14.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.38% |
| Construction concentration (Tier 1 capital + allowance) | 26.59% |
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 | 5.87% |
| Interest income on loans | $7.0M |
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 | $408.2M | $393.5M | 31.83% | 10.47% | 1.74% |
| Q4 2023 | $419.3M | $399.6M | 31.05% | 11.56% | 1.69% |
| Q1 2024 | $421.6M | $424.3M | 31.23% | 11.60% | 1.66% |
| Q2 2024 | $432.4M | $416.1M | 30.18% | 10.75% | 1.65% |
| Q3 2024 | $430.0M | $423.5M | 29.98% | 10.96% | 1.67% |
| Q4 2024 | $441.1M | $409.0M | 29.31% | 12.05% | 1.54% |
| Q1 2025 | $450.6M | $439.1M | 29.43% | 13.25% | 1.46% |
| Q2 2025 | $460.7M | $431.4M | 28.62% | 13.66% | 1.52% |
| Q3 2025 | $467.6M | $444.6M | 28.43% | 13.39% | 1.59% |
| Q4 2025 | $473.9M | $453.2M | 28.66% | 12.59% | 1.69% |
| Q1 2026 | $476.7M | $456.7M | 28.65% | 13.66% | 1.46% |
| Q2 2026 | $476.2M | $452.4M | 26.86% | 12.59% | 1.41% |
Connection Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Connection 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 Connection Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 955) · FFIEC NIC profile (RSSD 624246)