The 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 10.81 percentage points in Q2 2026, from 20.16% to 9.35%. It was the largest change from Q1 2026 among the key lines here. The Exchange State Bank ranks 195th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 59.41% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Exchange State Bank sits 8.21 points lower, at 59.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.5M |
| Net loans and leases | $28.1M |
| Loans held for sale | $0 |
| Loans to total assets | 54.02% |
| Loan-to-deposit ratio | 59.41% |
| Net loans to equity capital | 6.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.83% |
| Multifamily (5+ residential) | 0.94% |
| Commercial and industrial | 10.41% |
| Consumer | 5.20% |
| Credit cards | 0.00% |
| Farm | 24.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.35% |
| Construction concentration (Tier 1 capital + allowance) | 4.30% |
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 | 6.84% |
| Interest income on loans | $485K |
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 | $27.7M | $48.9M | 10.57% | 7.13% | 3.48% |
| Q4 2023 | $30.6M | $45.6M | 11.91% | 7.08% | 3.71% |
| Q1 2024 | $31.8M | $44.4M | 12.45% | 7.27% | 3.46% |
| Q2 2024 | $32.0M | $49.0M | 12.26% | 7.46% | 4.16% |
| Q3 2024 | $33.1M | $46.3M | 11.15% | 10.09% | 3.96% |
| Q4 2024 | $32.5M | $47.2M | 10.74% | 10.41% | 4.16% |
| Q1 2025 | $31.1M | $49.2M | 11.12% | 7.75% | 4.29% |
| Q2 2025 | $29.7M | $47.8M | 10.93% | 8.05% | 4.64% |
| Q3 2025 | $29.3M | $46.5M | 11.00% | 8.01% | 4.73% |
| Q4 2025 | $29.6M | $48.1M | 10.58% | 9.22% | 4.54% |
| Q1 2026 | $29.1M | $50.1M | 9.13% | 9.00% | 4.45% |
| Q2 2026 | $28.5M | $47.9M | 9.83% | 10.41% | 5.20% |
The Exchange State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16094) · FFIEC NIC profile (RSSD 362043)