Crawford County Trust and 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 Loan-to-deposit ratio: 1.94 percentage points lower than in Q1 2026, at 72.15%. Crawford County Trust and Savings Bank ranks 155th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 72.15% (Q2 2026). Crawford County Trust and Savings Bank reported 72.15% on loan-to-deposit ratio for Q2 2026, 8.69 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $192.8M |
| Net loans and leases | $190.6M |
| Loans held for sale | $329K |
| Loans to total assets | 65.47% |
| Loan-to-deposit ratio | 72.15% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.41% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 5.34% |
| Consumer | 3.18% |
| Credit cards | 0.00% |
| Farm | 23.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.93% |
| Construction concentration (Tier 1 capital + allowance) | 9.49% |
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 | 6.02% |
| Interest income on loans | $2.9M |
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 | $191.0M | $239.0M | 4.22% | 5.42% | 3.47% |
| Q4 2023 | $193.6M | $247.1M | 4.15% | 5.50% | 3.38% |
| Q1 2024 | $192.8M | $256.1M | 4.33% | 5.05% | 3.29% |
| Q2 2024 | $194.0M | $250.4M | 4.24% | 4.95% | 3.35% |
| Q3 2024 | $194.6M | $249.8M | 4.27% | 4.82% | 3.33% |
| Q4 2024 | $195.3M | $253.7M | 4.28% | 5.04% | 3.32% |
| Q1 2025 | $195.7M | $260.5M | 4.25% | 4.78% | 3.15% |
| Q2 2025 | $192.4M | $252.2M | 3.99% | 5.05% | 3.22% |
| Q3 2025 | $192.3M | $253.5M | 3.58% | 4.03% | 3.24% |
| Q4 2025 | $199.2M | $260.9M | 3.19% | 4.23% | 3.14% |
| Q1 2026 | $191.4M | $258.4M | 3.36% | 4.56% | 3.32% |
| Q2 2026 | $192.8M | $267.2M | 3.41% | 5.34% | 3.18% |
Crawford County Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crawford County Trust and 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 Crawford County Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8511) · FFIEC NIC profile (RSSD 810544)