First Heritage 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.
Construction concentration (tier 1 capital + allowance) dropped 7.44 percentage points in Q2 2026, from 36.92% to 29.48%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Heritage Bank is 58th of 225 on loan-to-deposit ratio, 93.35% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. First Heritage Bank sits 25.43 points higher, at 93.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.9M |
| Net loans and leases | $55.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.49% |
| Loan-to-deposit ratio | 93.35% |
| Net loans to equity capital | 7.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.21% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 12.60% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 16.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.39% |
| Construction concentration (Tier 1 capital + allowance) | 29.48% |
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 | 6.77% |
| Interest income on loans | $940K |
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 | $42.4M | $52.9M | 10.47% | 14.28% | 3.78% |
| Q4 2023 | $44.3M | $53.7M | 11.44% | 14.05% | 3.57% |
| Q1 2024 | $45.9M | $53.0M | 12.58% | 15.57% | 3.52% |
| Q2 2024 | $47.8M | $58.2M | 11.48% | 17.11% | 3.49% |
| Q3 2024 | $50.1M | $56.4M | 10.69% | 16.06% | 3.37% |
| Q4 2024 | $50.7M | $57.7M | 11.07% | 17.55% | 3.38% |
| Q1 2025 | $51.0M | $58.7M | 10.86% | 15.19% | 3.07% |
| Q2 2025 | $52.8M | $58.1M | 11.92% | 13.74% | 2.99% |
| Q3 2025 | $53.5M | $56.8M | 13.54% | 12.77% | 2.83% |
| Q4 2025 | $54.1M | $58.0M | 13.41% | 12.53% | 2.88% |
| Q1 2026 | $53.6M | $59.9M | 13.36% | 12.34% | 2.64% |
| Q2 2026 | $55.9M | $59.9M | 13.21% | 12.60% | 2.42% |
First Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Heritage 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4457) · FFIEC NIC profile (RSSD 618647)