First Community 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.
Loan-to-deposit ratio climbed 4.58 percentage points in Q2 2026, from 73.38% to 77.96%. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 133rd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 77.96% (Q2 2026). First Community Bank reported 77.96% on loan-to-deposit ratio for Q2 2026, 2.88 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.2M |
| Net loans and leases | $75.2M |
| Loans held for sale | $0 |
| Loans to total assets | 65.84% |
| Loan-to-deposit ratio | 77.96% |
| Net loans to equity capital | 5.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.75% |
| Multifamily (5+ residential) | 1.38% |
| Commercial and industrial | 4.30% |
| Consumer | 4.19% |
| Credit cards | 0.00% |
| Farm | 46.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.02% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.48% |
| Interest income on loans | $1.2M |
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 | $63.2M | $95.6M | 15.80% | 4.13% | 4.23% |
| Q4 2023 | $67.3M | $104.0M | 14.48% | 3.29% | 3.74% |
| Q1 2024 | $70.4M | $102.3M | 14.80% | 5.49% | 3.54% |
| Q2 2024 | $69.8M | $97.8M | 14.49% | 5.51% | 4.03% |
| Q3 2024 | $70.9M | $97.6M | 14.39% | 5.36% | 3.97% |
| Q4 2024 | $72.0M | $99.4M | 14.14% | 5.13% | 3.66% |
| Q1 2025 | $69.2M | $100.6M | 16.12% | 4.90% | 4.01% |
| Q2 2025 | $73.3M | $98.3M | 17.50% | 4.73% | 3.82% |
| Q3 2025 | $74.5M | $96.6M | 19.08% | 4.58% | 4.01% |
| Q4 2025 | $77.7M | $98.8M | 17.18% | 4.19% | 4.29% |
| Q1 2026 | $75.7M | $103.2M | 19.38% | 3.92% | 4.25% |
| Q2 2026 | $76.2M | $97.8M | 19.75% | 4.30% | 4.19% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14904) · FFIEC NIC profile (RSSD 233246)