Decorah Bank and Trust Company: 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.
Cre concentration (tier 1 capital + allowance) climbed 9.18 percentage points in Q2 2026, from 131.16% to 140.34%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Decorah Bank and Trust Company is 113th of 225 on loan-to-deposit ratio, 83.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Decorah Bank and Trust Company sits 2.43 points higher, at 83.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $578.4M |
| Net loans and leases | $569.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.84% |
| Loan-to-deposit ratio | 83.26% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.66% |
| Multifamily (5+ residential) | 3.80% |
| Commercial and industrial | 19.82% |
| Consumer | 7.44% |
| Credit cards | 0.00% |
| Farm | 15.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.34% |
| Construction concentration (Tier 1 capital + allowance) | 51.70% |
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 | 6.32% |
| Interest income on loans | $9.1M |
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 | $525.9M | $585.1M | 17.45% | 16.75% | 10.49% |
| Q4 2023 | $542.6M | $609.8M | 16.85% | 16.49% | 10.88% |
| Q1 2024 | $531.4M | $606.8M | 17.08% | 17.01% | 10.76% |
| Q2 2024 | $537.7M | $621.2M | 17.31% | 17.84% | 10.41% |
| Q3 2024 | $528.5M | $606.5M | 16.70% | 18.18% | 10.42% |
| Q4 2024 | $541.6M | $607.8M | 17.29% | 17.89% | 9.81% |
| Q1 2025 | $536.8M | $630.9M | 16.13% | 18.99% | 9.43% |
| Q2 2025 | $550.9M | $638.5M | 16.43% | 19.06% | 8.95% |
| Q3 2025 | $562.4M | $641.0M | 16.02% | 19.65% | 8.42% |
| Q4 2025 | $575.0M | $666.7M | 16.88% | 19.29% | 7.86% |
| Q1 2026 | $572.8M | $679.6M | 17.23% | 18.91% | 7.71% |
| Q2 2026 | $578.4M | $694.7M | 16.66% | 19.82% | 7.44% |
Decorah Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Decorah Bank and Trust Company, 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 Decorah Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15200) · FFIEC NIC profile (RSSD 872047)