First Trust and Savings 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 dropped 3.37 percentage points in Q2 2026, from 105.39% to 102.02%. It was the largest change from Q1 2026 among the key lines here. First Trust and Savings Bank ranks 28th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 102.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Trust and Savings Bank sits 21.18 points higher, at 102.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $277.1M |
| Net loans and leases | $273.7M |
| Loans held for sale | $0 |
| Loans to total assets | 86.43% |
| Loan-to-deposit ratio | 102.02% |
| Net loans to equity capital | 8.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.65% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 11.20% |
| Consumer | 3.13% |
| Credit cards | 0.00% |
| Farm | 22.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.08% |
| Construction concentration (Tier 1 capital + allowance) | 18.23% |
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 | 6.41% |
| Interest income on loans | $4.4M |
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 | $219.4M | $197.8M | 8.88% | 16.03% | 3.79% |
| Q4 2023 | $225.0M | $205.1M | 10.38% | 13.37% | 3.61% |
| Q1 2024 | $234.9M | $209.5M | 10.01% | 13.09% | 3.44% |
| Q2 2024 | $237.4M | $215.3M | 9.80% | 13.30% | 3.34% |
| Q3 2024 | $243.4M | $223.0M | 9.64% | 12.98% | 3.33% |
| Q4 2024 | $248.0M | $233.3M | 9.84% | 12.37% | 3.27% |
| Q1 2025 | $253.8M | $230.2M | 9.64% | 11.58% | 3.18% |
| Q2 2025 | $251.4M | $236.6M | 10.13% | 11.86% | 3.40% |
| Q3 2025 | $262.6M | $243.8M | 9.60% | 11.11% | 3.28% |
| Q4 2025 | $264.5M | $252.9M | 8.99% | 11.30% | 3.03% |
| Q1 2026 | $276.0M | $261.8M | 8.87% | 11.17% | 2.93% |
| Q2 2026 | $277.1M | $271.6M | 8.65% | 11.20% | 3.13% |
First Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust and Savings 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8752) · FFIEC NIC profile (RSSD 640442)