First Security Bank and Trust Company: 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 6.14 percentage points in Q2 2026, from 93.44% to 87.30%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Security Bank and Trust Company is 149th of 225 on loan-to-deposit ratio, 74.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Security Bank and Trust Company sits 6.78 points lower, at 74.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $347.4M |
| Net loans and leases | $343.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.54% |
| Loan-to-deposit ratio | 74.06% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.39% |
| Multifamily (5+ residential) | 7.17% |
| Commercial and industrial | 6.68% |
| Consumer | 2.10% |
| Credit cards | 0.00% |
| Farm | 25.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.30% |
| Construction concentration (Tier 1 capital + allowance) | 10.95% |
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 | 5.57% |
| Interest income on loans | $4.8M |
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 | $368.9M | $515.3M | 14.76% | 7.23% | 2.21% |
| Q4 2023 | $372.3M | $508.9M | 16.23% | 6.81% | 2.24% |
| Q1 2024 | $363.9M | $510.2M | 15.02% | 6.50% | 2.32% |
| Q2 2024 | $356.2M | $495.2M | 15.19% | 6.90% | 2.30% |
| Q3 2024 | $348.9M | $496.8M | 14.08% | 7.04% | 2.37% |
| Q4 2024 | $358.2M | $487.3M | 13.15% | 7.97% | 2.25% |
| Q1 2025 | $367.8M | $511.6M | 12.49% | 9.04% | 2.09% |
| Q2 2025 | $352.5M | $488.7M | 12.78% | 8.04% | 2.18% |
| Q3 2025 | $348.5M | $479.5M | 12.61% | 7.15% | 2.14% |
| Q4 2025 | $352.9M | $479.7M | 12.43% | 6.28% | 2.18% |
| Q1 2026 | $353.3M | $477.8M | 11.65% | 6.38% | 2.12% |
| Q2 2026 | $347.4M | $469.0M | 11.39% | 6.68% | 2.10% |
First Security Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank and Trust Company, 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1852) · FFIEC NIC profile (RSSD 894544)