Earlham 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.
Cre concentration (tier 1 capital + allowance) dropped 8.57 percentage points in Q2 2026, from 100.41% to 91.84%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Earlham Savings Bank is 176th of 225 on loan-to-deposit ratio, 65.91% as of Q2 2026, below the middle of the field. Earlham Savings Bank reported 65.91% on loan-to-deposit ratio for Q2 2026, 14.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.7M |
| Net loans and leases | $220.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.26% |
| Loan-to-deposit ratio | 65.91% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.97% |
| Multifamily (5+ residential) | 4.27% |
| Commercial and industrial | 10.42% |
| Consumer | 2.41% |
| Credit cards | 0.00% |
| Farm | 23.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.84% |
| Construction concentration (Tier 1 capital + allowance) | 19.22% |
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 | 6.42% |
| Interest income on loans | $3.6M |
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 | $187.0M | $323.2M | 22.88% | 15.14% | 4.03% |
| Q4 2023 | $188.5M | $330.3M | 22.48% | 14.36% | 4.10% |
| Q1 2024 | $200.6M | $334.1M | 21.83% | 13.74% | 3.76% |
| Q2 2024 | $203.1M | $329.1M | 21.65% | 12.38% | 3.60% |
| Q3 2024 | $205.2M | $328.2M | 22.02% | 11.73% | 3.48% |
| Q4 2024 | $206.2M | $329.2M | 22.61% | 12.00% | 3.25% |
| Q1 2025 | $210.9M | $338.6M | 25.34% | 11.58% | 2.95% |
| Q2 2025 | $215.4M | $337.6M | 24.10% | 10.67% | 2.70% |
| Q3 2025 | $219.1M | $333.2M | 24.57% | 10.31% | 2.62% |
| Q4 2025 | $230.5M | $341.4M | 24.65% | 10.95% | 2.38% |
| Q1 2026 | $227.8M | $345.7M | 24.04% | 10.00% | 2.48% |
| Q2 2026 | $226.7M | $343.9M | 23.97% | 10.42% | 2.41% |
Earlham Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Earlham 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 Earlham Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5796) · FFIEC NIC profile (RSSD 645540)