First Security 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.
Loan-to-deposit ratio climbed 3.16 percentage points in Q2 2026, from 80.78% to 83.94%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Security State Bank is 105th of 225 on loan-to-deposit ratio, 83.94% as of Q2 2026. First Security State Bank reported 83.94% on loan-to-deposit ratio for Q2 2026, 16.61 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.2M |
| Net loans and leases | $61.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.26% |
| Loan-to-deposit ratio | 83.94% |
| Net loans to equity capital | 4.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.86% |
| Multifamily (5+ residential) | 3.62% |
| Commercial and industrial | 35.00% |
| Consumer | 31.48% |
| Credit cards | 0.00% |
| Farm | 2.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.65% |
| Construction concentration (Tier 1 capital + allowance) | 11.82% |
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 | 6.59% |
| Interest income on loans | $998K |
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 | $67.9M | $84.6M | 5.01% | 42.44% | 34.01% |
| Q4 2023 | $69.0M | $83.0M | 4.63% | 42.30% | 34.14% |
| Q1 2024 | $67.2M | $81.9M | 5.40% | 41.24% | 34.11% |
| Q2 2024 | $65.3M | $80.5M | 5.46% | 41.93% | 33.11% |
| Q3 2024 | $63.6M | $82.0M | 6.11% | 40.75% | 31.93% |
| Q4 2024 | $59.5M | $82.2M | 6.29% | 40.26% | 31.91% |
| Q1 2025 | $59.2M | $78.8M | 7.15% | 38.73% | 32.36% |
| Q2 2025 | $57.7M | $79.5M | 8.32% | 36.20% | 33.17% |
| Q3 2025 | $58.4M | $74.7M | 9.41% | 35.67% | 33.29% |
| Q4 2025 | $60.6M | $75.0M | 8.40% | 36.49% | 31.31% |
| Q1 2026 | $59.8M | $74.0M | 10.10% | 35.05% | 31.33% |
| Q2 2026 | $62.2M | $74.1M | 9.86% | 35.00% | 31.48% |
First Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18508) · FFIEC NIC profile (RSSD 681043)