First 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 CRE concentration (Tier 1 capital + allowance): 6.94 percentage points higher than in Q1 2026, at 79.95%. First Bank ranks 66th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 91.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank sits 10.32 points higher, at 91.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $564.9M |
| Net loans and leases | $558.0M |
| Loans held for sale | $462K |
| Loans to total assets | 76.35% |
| Loan-to-deposit ratio | 91.15% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.78% |
| Multifamily (5+ residential) | 3.57% |
| Commercial and industrial | 10.01% |
| Consumer | 1.28% |
| Credit cards | 0.02% |
| Farm | 21.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.95% |
| Construction concentration (Tier 1 capital + allowance) | 20.37% |
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 | 6.26% |
| Interest income on loans | $8.8M |
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 | $465.2M | $586.7M | 15.70% | 12.32% | 1.49% |
| Q4 2023 | $468.1M | $593.8M | 15.67% | 11.17% | 1.42% |
| Q1 2024 | $489.8M | $585.6M | 15.31% | 11.36% | 1.36% |
| Q2 2024 | $493.8M | $592.0M | 14.49% | 11.68% | 1.38% |
| Q3 2024 | $504.6M | $606.7M | 15.00% | 11.93% | 1.26% |
| Q4 2024 | $514.6M | $614.1M | 15.28% | 11.77% | 1.25% |
| Q1 2025 | $529.4M | $628.2M | 15.30% | 11.52% | 1.17% |
| Q2 2025 | $527.7M | $601.3M | 15.49% | 11.84% | 1.13% |
| Q3 2025 | $541.4M | $579.5M | 17.65% | 10.29% | 1.10% |
| Q4 2025 | $540.8M | $598.9M | 17.59% | 10.03% | 1.08% |
| Q1 2026 | $560.5M | $622.8M | 16.97% | 10.01% | 1.25% |
| Q2 2026 | $564.9M | $619.8M | 17.78% | 10.01% | 1.28% |
First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4519) · FFIEC NIC profile (RSSD 376442)