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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.13 percentage points lower than in Q1 2026, at 9.04%. First State Bank ranks 199th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 55.32% (Q2 2026). First State Bank reported 55.32% on loan-to-deposit ratio for Q2 2026, 25.52 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.9M |
| Net loans and leases | $56.1M |
| Loans held for sale | $0 |
| Loans to total assets | 45.15% |
| Loan-to-deposit ratio | 55.32% |
| Net loans to equity capital | 2.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.82% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.64% |
| Consumer | 1.67% |
| Credit cards | 0.00% |
| Farm | 13.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.04% |
| Construction concentration (Tier 1 capital + allowance) | 9.04% |
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 | 6.13% |
| Interest income on loans | $893K |
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 | $65.8M | $104.5M | 21.22% | 10.70% | 2.58% |
| Q4 2023 | $67.7M | $106.7M | 20.66% | 11.42% | 2.53% |
| Q1 2024 | $69.2M | $105.6M | 20.80% | 10.71% | 2.31% |
| Q2 2024 | $68.6M | $108.4M | 20.80% | 12.84% | 2.33% |
| Q3 2024 | $68.9M | $108.2M | 20.59% | 12.21% | 2.25% |
| Q4 2024 | $68.9M | $103.0M | 20.40% | 11.40% | 2.18% |
| Q1 2025 | $66.0M | $102.6M | 20.15% | 10.08% | 1.99% |
| Q2 2025 | $59.9M | $105.5M | 15.23% | 9.99% | 2.09% |
| Q3 2025 | $59.7M | $100.3M | 15.30% | 9.89% | 2.18% |
| Q4 2025 | $61.3M | $107.3M | 16.51% | 9.59% | 1.82% |
| Q1 2026 | $60.5M | $102.1M | 16.88% | 9.50% | 1.64% |
| Q2 2026 | $56.9M | $102.8M | 15.82% | 9.64% | 1.67% |
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 8522) · FFIEC NIC profile (RSSD 795249)