Dewitt Bank & Trust Co.: 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): 30.67 percentage points lower than in Q1 2026, at 170.24%. Within Iowa, Dewitt Bank & Trust Co. is 75th of 225 on loan-to-deposit ratio, 89.71% as of Q2 2026. Dewitt Bank & Trust Co. reported 89.71% on loan-to-deposit ratio for Q2 2026, 9.16 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $222.2M |
| Net loans and leases | $219.7M |
| Loans held for sale | $236K |
| Loans to total assets | 80.13% |
| Loan-to-deposit ratio | 89.71% |
| Net loans to equity capital | 9.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.84% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 10.67% |
| Consumer | 2.12% |
| Credit cards | 0.00% |
| Farm | 20.50% |
| Loans to depository institutions | 0.45% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.24% |
| Construction concentration (Tier 1 capital + allowance) | 47.99% |
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 | 6.39% |
| Interest income on loans | $3.5M |
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 | $178.2M | $200.2M | 22.30% | 11.11% | 2.83% |
| Q4 2023 | $180.5M | $209.1M | 21.74% | 9.80% | 2.69% |
| Q1 2024 | $178.5M | $207.3M | 21.56% | 10.01% | 2.74% |
| Q2 2024 | $179.7M | $210.6M | 22.04% | 10.00% | 2.83% |
| Q3 2024 | $178.6M | $210.2M | 21.78% | 9.87% | 2.78% |
| Q4 2024 | $186.4M | $227.0M | 22.44% | 9.06% | 2.65% |
| Q1 2025 | $189.6M | $224.1M | 22.55% | 8.92% | 2.49% |
| Q2 2025 | $188.7M | $228.2M | 22.88% | 8.61% | 2.48% |
| Q3 2025 | $191.3M | $231.7M | 23.44% | 8.44% | 2.37% |
| Q4 2025 | $204.0M | $223.1M | 23.50% | 8.82% | 2.25% |
| Q1 2026 | $219.0M | $246.5M | 22.56% | 8.48% | 2.18% |
| Q2 2026 | $222.2M | $247.7M | 22.84% | 10.67% | 2.12% |
Dewitt Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Bank & Trust Co., 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 Dewitt Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14705) · FFIEC NIC profile (RSSD 668147)