Fidelity Bank & Trust: 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 Loan-to-deposit ratio: 1.93 percentage points higher than in Q1 2026, at 89.54%. Within Iowa, Fidelity Bank & Trust is 77th of 225 on loan-to-deposit ratio, 89.54% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Fidelity Bank & Trust reported 89.54% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.91B |
| Net loans and leases | $1.89B |
| Loans held for sale | $414K |
| Loans to total assets | 73.32% |
| Loan-to-deposit ratio | 89.54% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.28% |
| Multifamily (5+ residential) | 3.31% |
| Commercial and industrial | 14.38% |
| Consumer | 1.49% |
| Credit cards | 0.01% |
| Farm | 24.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.58% |
| Construction concentration (Tier 1 capital + allowance) | 29.87% |
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 | 5.93% |
| Interest income on loans | $28.0M |
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 | $1.21B | $1.55B | 12.33% | 16.40% | 1.62% |
| Q4 2023 | $1.26B | $1.61B | 11.50% | 15.99% | 1.60% |
| Q1 2024 | $1.29B | $1.62B | 11.59% | 16.28% | 1.56% |
| Q2 2024 | $1.27B | $1.66B | 11.77% | 15.92% | 1.60% |
| Q3 2024 | $1.28B | $1.65B | 14.97% | 12.48% | 1.60% |
| Q4 2024 | $1.33B | $1.70B | 14.03% | 12.41% | 1.53% |
| Q1 2025 | $1.36B | $1.71B | 14.01% | 12.23% | 1.55% |
| Q2 2025 | $1.38B | $1.73B | 14.34% | 12.59% | 1.62% |
| Q3 2025 | $1.40B | $1.74B | 13.99% | 12.51% | 1.59% |
| Q4 2025 | $1.81B | $2.13B | 12.42% | 13.83% | 1.55% |
| Q1 2026 | $1.89B | $2.15B | 11.58% | 13.98% | 1.47% |
| Q2 2026 | $1.91B | $2.13B | 11.28% | 14.38% | 1.49% |
Fidelity Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank & Trust, 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 Fidelity Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14382) · FFIEC NIC profile (RSSD 939249)