Denver 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 CRE concentration (Tier 1 capital + allowance): 12.50 percentage points higher than in Q1 2026, at 250.23%. Denver Savings Bank ranks 52nd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.37% (Q2 2026). Denver Savings Bank reported 94.37% on loan-to-deposit ratio for Q2 2026, 13.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.4M |
| Net loans and leases | $174.5M |
| Loans held for sale | $0 |
| Loans to total assets | 70.38% |
| Loan-to-deposit ratio | 94.37% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.57% |
| Multifamily (5+ residential) | 7.50% |
| Commercial and industrial | 10.82% |
| Consumer | 1.46% |
| Credit cards | 0.00% |
| Farm | 7.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.23% |
| Construction concentration (Tier 1 capital + allowance) | 24.07% |
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 | 6.71% |
| 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 | $178.2M | $186.4M | 40.54% | 14.79% | 1.29% |
| Q4 2023 | $176.9M | $181.9M | 40.03% | 14.17% | 1.22% |
| Q1 2024 | $181.0M | $187.8M | 40.35% | 12.77% | 1.21% |
| Q2 2024 | $184.2M | $184.2M | 39.28% | 14.17% | 1.14% |
| Q3 2024 | $176.1M | $191.2M | 40.38% | 12.85% | 1.05% |
| Q4 2024 | $173.0M | $192.3M | 41.02% | 12.44% | 1.10% |
| Q1 2025 | $169.8M | $189.3M | 41.01% | 12.52% | 1.12% |
| Q2 2025 | $172.8M | $183.5M | 38.15% | 13.28% | 1.36% |
| Q3 2025 | $183.2M | $196.1M | 37.94% | 12.13% | 1.35% |
| Q4 2025 | $174.2M | $193.0M | 39.55% | 12.41% | 1.34% |
| Q1 2026 | $174.5M | $189.6M | 38.71% | 12.43% | 1.34% |
| Q2 2026 | $176.4M | $186.9M | 40.57% | 10.82% | 1.46% |
Denver Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Denver 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 Denver Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12857) · FFIEC NIC profile (RSSD 220844)