Federation 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 Yield on loans: 1.31 percentage points lower than in Q1 2026, at 6.66%. Within Iowa, Federation Bank is 187th of 225 on loan-to-deposit ratio, 61.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Federation Bank sits 18.90 points lower, at 61.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.9M |
| Net loans and leases | $81.7M |
| Loans held for sale | $0 |
| Loans to total assets | 53.19% |
| Loan-to-deposit ratio | 61.94% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.83% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 16.24% |
| Consumer | 5.43% |
| Credit cards | 0.00% |
| Farm | 26.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.81% |
| Construction concentration (Tier 1 capital + allowance) | 17.85% |
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 | 6.66% |
| Interest income on loans | $1.3M |
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 | $72.2M | $129.3M | 6.16% | 16.09% | 6.31% |
| Q4 2023 | $69.9M | $133.5M | 6.26% | 16.86% | 6.50% |
| Q1 2024 | $69.4M | $128.2M | 5.98% | 16.49% | 6.65% |
| Q2 2024 | $67.9M | $121.8M | 6.05% | 17.67% | 6.79% |
| Q3 2024 | $70.3M | $134.8M | 6.85% | 16.12% | 6.39% |
| Q4 2024 | $73.5M | $127.1M | 6.05% | 15.20% | 5.90% |
| Q1 2025 | $76.1M | $135.6M | 5.54% | 17.16% | 5.56% |
| Q2 2025 | $74.9M | $129.2M | 5.59% | 17.41% | 6.05% |
| Q3 2025 | $78.1M | $128.4M | 5.25% | 16.82% | 6.41% |
| Q4 2025 | $81.6M | $131.8M | 5.46% | 18.26% | 5.78% |
| Q1 2026 | $81.3M | $132.0M | 5.55% | 17.33% | 5.52% |
| Q2 2026 | $82.9M | $133.8M | 6.83% | 16.24% | 5.43% |
Federation Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Federation 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 Federation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14352) · FFIEC NIC profile (RSSD 764142)