Danville State 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 Farm: 1.59 percentage points higher than in Q1 2026, at 13.78%. Danville State Savings Bank ranks 173rd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 67.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Danville State Savings Bank sits 13.59 points lower, at 67.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $106.9M |
| Net loans and leases | $105.9M |
| Loans held for sale | $0 |
| Loans to total assets | 58.54% |
| Loan-to-deposit ratio | 67.25% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.10% |
| Multifamily (5+ residential) | 3.08% |
| Commercial and industrial | 7.60% |
| Consumer | 4.40% |
| Credit cards | 0.24% |
| Farm | 13.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.16% |
| Construction concentration (Tier 1 capital + allowance) | 8.47% |
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 | 5.60% |
| Interest income on loans | $1.5M |
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 | $103.3M | $149.5M | 8.86% | 10.10% | 6.98% |
| Q4 2023 | $103.2M | $149.9M | 9.13% | 9.53% | 6.70% |
| Q1 2024 | $103.3M | $149.6M | 8.78% | 9.30% | 6.81% |
| Q2 2024 | $102.4M | $149.1M | 8.75% | 9.47% | 6.30% |
| Q3 2024 | $103.3M | $148.8M | 9.49% | 9.30% | 6.26% |
| Q4 2024 | $104.3M | $152.8M | 9.68% | 9.27% | 5.73% |
| Q1 2025 | $103.8M | $151.5M | 9.76% | 9.16% | 5.67% |
| Q2 2025 | $106.6M | $154.1M | 11.84% | 9.11% | 4.26% |
| Q3 2025 | $107.8M | $152.1M | 11.54% | 8.12% | 5.22% |
| Q4 2025 | $107.3M | $153.9M | 12.05% | 8.57% | 4.77% |
| Q1 2026 | $106.6M | $160.0M | 12.22% | 8.42% | 4.81% |
| Q2 2026 | $106.9M | $159.0M | 12.10% | 7.60% | 4.40% |
Danville State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Danville State 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 Danville State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14772) · FFIEC NIC profile (RSSD 223845)