First Iowa State 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 Loan-to-deposit ratio: 2.69 percentage points higher than in Q1 2026, at 81.65%. First Iowa State Bank ranks 120th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 81.65% (Q2 2026). At 81.65%, First Iowa State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $293.1M |
| Net loans and leases | $288.0M |
| Loans held for sale | $0 |
| Loans to total assets | 73.99% |
| Loan-to-deposit ratio | 81.65% |
| Net loans to equity capital | 8.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.03% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 10.13% |
| Consumer | 0.94% |
| Credit cards | 0.00% |
| Farm | 26.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.87% |
| Construction concentration (Tier 1 capital + allowance) | 2.08% |
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 | 7.27% |
| Interest income on loans | $5.2M |
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 | $224.7M | $310.3M | 13.16% | 11.80% | 2.03% |
| Q4 2023 | $234.2M | $319.4M | 12.84% | 11.28% | 1.81% |
| Q1 2024 | $241.6M | $318.1M | 12.44% | 12.25% | 1.70% |
| Q2 2024 | $246.7M | $303.9M | 11.88% | 11.88% | 1.59% |
| Q3 2024 | $248.7M | $336.9M | 11.83% | 11.86% | 1.51% |
| Q4 2024 | $253.2M | $326.0M | 11.62% | 11.60% | 1.39% |
| Q1 2025 | $263.4M | $342.8M | 11.66% | 12.27% | 1.21% |
| Q2 2025 | $269.4M | $331.0M | 11.82% | 11.79% | 1.13% |
| Q3 2025 | $276.5M | $340.0M | 12.08% | 10.98% | 1.12% |
| Q4 2025 | $283.2M | $340.3M | 11.67% | 11.54% | 1.02% |
| Q1 2026 | $291.3M | $369.0M | 12.23% | 10.90% | 0.92% |
| Q2 2026 | $293.1M | $359.0M | 12.03% | 10.13% | 0.94% |
First Iowa State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Iowa State 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 Iowa State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14930) · FFIEC NIC profile (RSSD 787842)