Exchange State 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 3.34 percentage points in Q2 2026, from 101.48% to 98.13%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Exchange State Bank sits 19th from the top on loan-to-deposit ratio, 104.26% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange State Bank sits 23.71 points higher, at 104.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.5M |
| Net loans and leases | $121.5M |
| Loans held for sale | $0 |
| Loans to total assets | 83.92% |
| Loan-to-deposit ratio | 104.26% |
| Net loans to equity capital | 7.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.99% |
| Multifamily (5+ residential) | 5.85% |
| Commercial and industrial | 9.70% |
| Consumer | 1.04% |
| Credit cards | 0.00% |
| Farm | 25.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.13% |
| Construction concentration (Tier 1 capital + allowance) | 19.48% |
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 | 5.81% |
| Interest income on loans | $1.8M |
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 | $105.8M | $110.1M | 12.41% | 12.39% | 1.27% |
| Q4 2023 | $111.5M | $109.4M | 12.02% | 11.73% | 1.10% |
| Q1 2024 | $115.1M | $108.7M | 11.80% | 13.73% | 1.24% |
| Q2 2024 | $116.9M | $105.6M | 12.62% | 12.60% | 1.17% |
| Q3 2024 | $118.1M | $106.1M | 12.86% | 12.47% | 1.20% |
| Q4 2024 | $119.3M | $115.0M | 12.72% | 11.20% | 1.22% |
| Q1 2025 | $118.8M | $118.3M | 12.69% | 10.86% | 1.23% |
| Q2 2025 | $117.8M | $109.8M | 12.90% | 10.31% | 1.25% |
| Q3 2025 | $122.0M | $104.9M | 14.35% | 9.51% | 1.20% |
| Q4 2025 | $124.6M | $115.8M | 14.11% | 9.10% | 1.17% |
| Q1 2026 | $121.8M | $117.6M | 14.97% | 7.94% | 1.10% |
| Q2 2026 | $122.5M | $117.5M | 14.99% | 9.70% | 1.04% |
Exchange State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange State 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10132) · FFIEC NIC profile (RSSD 805045)