Cusb 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) dropped 4.12 percentage points in Q2 2026, from 11.71% to 7.59%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Cusb Bank is 61st of 225 on loan-to-deposit ratio, 91.97% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cusb Bank sits 11.13 points higher, at 91.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $643.1M |
| Net loans and leases | $634.2M |
| Loans held for sale | $160K |
| Loans to total assets | 79.19% |
| Loan-to-deposit ratio | 91.97% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.94% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 9.32% |
| Consumer | 3.89% |
| Credit cards | 0.02% |
| Farm | 29.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.51% |
| Construction concentration (Tier 1 capital + allowance) | 7.59% |
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 | 6.28% |
| Interest income on loans | $10.0M |
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 | $541.8M | $604.9M | 18.46% | 12.94% | 5.02% |
| Q4 2023 | $560.2M | $617.2M | 19.50% | 12.48% | 4.79% |
| Q1 2024 | $570.9M | $614.3M | 20.20% | 11.79% | 4.63% |
| Q2 2024 | $580.0M | $612.4M | 20.34% | 11.93% | 4.53% |
| Q3 2024 | $590.9M | $632.4M | 21.17% | 12.02% | 4.44% |
| Q4 2024 | $603.0M | $670.3M | 21.73% | 12.26% | 4.29% |
| Q1 2025 | $616.0M | $706.8M | 23.32% | 11.07% | 4.18% |
| Q2 2025 | $617.4M | $671.1M | 23.61% | 10.94% | 4.14% |
| Q3 2025 | $614.5M | $702.6M | 22.66% | 10.65% | 4.11% |
| Q4 2025 | $635.2M | $712.4M | 23.93% | 11.08% | 3.94% |
| Q1 2026 | $641.7M | $715.0M | 23.76% | 9.63% | 3.78% |
| Q2 2026 | $643.1M | $699.3M | 23.94% | 9.32% | 3.89% |
Cusb Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cusb 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 Cusb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18443) · FFIEC NIC profile (RSSD 900146)