Freedombank: 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 2.63 percentage points in Q2 2026, from 88.32% to 90.94%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Freedombank is 70th of 225 on loan-to-deposit ratio, 90.94% as of Q2 2026. Freedombank reported 90.94% on loan-to-deposit ratio for Q2 2026, 10.39 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $334.6M |
| Net loans and leases | $330.9M |
| Loans held for sale | $0 |
| Loans to total assets | 77.12% |
| Loan-to-deposit ratio | 90.94% |
| Net loans to equity capital | 6.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.98% |
| Multifamily (5+ residential) | 0.43% |
| Commercial and industrial | 10.54% |
| Consumer | 2.15% |
| Credit cards | 0.00% |
| Farm | 27.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.19% |
| Construction concentration (Tier 1 capital + allowance) | 22.89% |
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 | 6.07% |
| Interest income on loans | $5.0M |
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 | $306.8M | $360.5M | 12.87% | 13.30% | 2.95% |
| Q4 2023 | $314.2M | $361.6M | 12.13% | 14.40% | 2.87% |
| Q1 2024 | $312.5M | $388.8M | 12.24% | 13.39% | 2.73% |
| Q2 2024 | $308.4M | $365.4M | 12.08% | 13.44% | 2.63% |
| Q3 2024 | $304.6M | $365.8M | 12.30% | 12.92% | 2.72% |
| Q4 2024 | $307.0M | $378.7M | 12.44% | 12.79% | 2.61% |
| Q1 2025 | $314.4M | $389.9M | 13.83% | 13.50% | 2.44% |
| Q2 2025 | $315.3M | $373.0M | 15.11% | 12.81% | 2.48% |
| Q3 2025 | $324.3M | $369.2M | 16.59% | 12.64% | 2.39% |
| Q4 2025 | $327.4M | $378.0M | 16.87% | 12.28% | 2.36% |
| Q1 2026 | $331.9M | $375.8M | 15.21% | 12.54% | 2.19% |
| Q2 2026 | $334.6M | $367.9M | 15.98% | 10.54% | 2.15% |
Freedombank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedombank, 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 Freedombank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11767) · FFIEC NIC profile (RSSD 652043)