The First National Bank of Manning: 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.
Cre concentration (tier 1 capital + allowance) dropped 15.13 percentage points in Q2 2026, from 87.27% to 72.15%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The First National Bank of Manning is 197th of 225 on loan-to-deposit ratio, 57.24% as of Q2 2026, below the middle of the field. The First National Bank of Manning reported 57.24% on loan-to-deposit ratio for Q2 2026, 10.39 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.7M |
| Net loans and leases | $41.9M |
| Loans held for sale | $0 |
| Loans to total assets | 48.64% |
| Loan-to-deposit ratio | 57.24% |
| Net loans to equity capital | 3.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.06% |
| Consumer | 3.65% |
| Credit cards | 0.00% |
| Farm | 23.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.15% |
| Construction concentration (Tier 1 capital + allowance) | 6.74% |
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 | 6.37% |
| Interest income on loans | $664K |
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 | $35.5M | $70.1M | 18.72% | 13.72% | 5.20% |
| Q4 2023 | $37.2M | $70.1M | 16.88% | 12.11% | 5.53% |
| Q1 2024 | $36.9M | $66.8M | 15.87% | 12.22% | 5.92% |
| Q2 2024 | $36.2M | $68.6M | 15.65% | 11.71% | 5.60% |
| Q3 2024 | $34.6M | $66.4M | 15.96% | 13.42% | 5.64% |
| Q4 2024 | $38.7M | $70.0M | 15.80% | 13.18% | 5.14% |
| Q1 2025 | $38.7M | $68.2M | 14.21% | 12.60% | 4.56% |
| Q2 2025 | $38.8M | $65.4M | 13.45% | 11.09% | 4.46% |
| Q3 2025 | $39.2M | $66.4M | 16.73% | 10.66% | 4.41% |
| Q4 2025 | $43.3M | $67.2M | 20.75% | 10.29% | 3.60% |
| Q1 2026 | $41.6M | $70.7M | 21.77% | 9.56% | 3.46% |
| Q2 2026 | $42.7M | $74.5M | 20.99% | 11.06% | 3.65% |
The First National Bank of Manning loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Manning, 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 The First National Bank of Manning profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4477) · FFIEC NIC profile (RSSD 818540)