First 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 5.60 percentage points in Q2 2026, from 91.02% to 96.61%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First State Bank is 41st of 225 on loan-to-deposit ratio, 96.61% as of Q2 2026. First State Bank reported 96.61% on loan-to-deposit ratio for Q2 2026, 16.06 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $297.6M |
| Net loans and leases | $294.5M |
| Loans held for sale | $0 |
| Loans to total assets | 77.46% |
| Loan-to-deposit ratio | 96.61% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.11% |
| Multifamily (5+ residential) | 0.63% |
| Commercial and industrial | 8.47% |
| Consumer | 2.40% |
| Credit cards | 0.00% |
| Farm | 38.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.49% |
| Construction concentration (Tier 1 capital + allowance) | 2.57% |
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 | 6.61% |
| Interest income on loans | $4.9M |
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 | $214.9M | $251.6M | 9.83% | 8.30% | 2.46% |
| Q4 2023 | $227.4M | $255.5M | 11.05% | 8.20% | 2.25% |
| Q1 2024 | $232.3M | $249.8M | 10.92% | 9.30% | 2.15% |
| Q2 2024 | $235.1M | $258.5M | 10.57% | 9.09% | 2.31% |
| Q3 2024 | $252.7M | $286.9M | 9.77% | 9.69% | 2.45% |
| Q4 2024 | $252.4M | $285.3M | 9.34% | 9.21% | 2.60% |
| Q1 2025 | $251.9M | $288.4M | 9.38% | 8.72% | 2.62% |
| Q2 2025 | $257.4M | $291.8M | 8.69% | 9.66% | 2.62% |
| Q3 2025 | $264.6M | $282.9M | 8.17% | 8.50% | 2.60% |
| Q4 2025 | $281.7M | $295.4M | 7.35% | 8.26% | 2.47% |
| Q1 2026 | $284.1M | $312.2M | 7.31% | 7.77% | 2.50% |
| Q2 2026 | $297.6M | $308.1M | 7.11% | 8.47% | 2.40% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5821) · FFIEC NIC profile (RSSD 677448)