Glenwood 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 Loan-to-deposit ratio: 4.52 percentage points higher than in Q1 2026, at 54.00%. Glenwood State Bank ranks 201st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 54.00% (Q2 2026). Glenwood State Bank reported 54.00% on loan-to-deposit ratio for Q2 2026, 26.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.2M |
| Net loans and leases | $164.3M |
| Loans held for sale | $0 |
| Loans to total assets | 47.09% |
| Loan-to-deposit ratio | 54.00% |
| Net loans to equity capital | 3.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.01% |
| Multifamily (5+ residential) | 0.65% |
| Commercial and industrial | 10.67% |
| Consumer | 3.35% |
| Credit cards | 0.00% |
| Farm | 4.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.59% |
| Construction concentration (Tier 1 capital + allowance) | 57.12% |
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 | 6.99% |
| Interest income on loans | $2.8M |
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 | $134.2M | $276.5M | 20.06% | 13.48% | 4.83% |
| Q4 2023 | $145.2M | $270.9M | 20.68% | 11.34% | 4.53% |
| Q1 2024 | $148.0M | $293.3M | 20.39% | 11.56% | 4.61% |
| Q2 2024 | $153.8M | $271.7M | 19.47% | 12.05% | 4.36% |
| Q3 2024 | $151.1M | $286.1M | 20.32% | 12.08% | 4.31% |
| Q4 2024 | $156.0M | $281.1M | 19.49% | 11.91% | 4.13% |
| Q1 2025 | $149.9M | $293.0M | 20.29% | 12.64% | 4.29% |
| Q2 2025 | $147.3M | $277.4M | 20.52% | 8.28% | 4.25% |
| Q3 2025 | $155.2M | $289.3M | 20.56% | 7.23% | 3.79% |
| Q4 2025 | $156.1M | $289.4M | 18.38% | 7.67% | 3.58% |
| Q1 2026 | $157.6M | $318.4M | 17.94% | 8.27% | 3.41% |
| Q2 2026 | $166.2M | $307.7M | 17.01% | 10.67% | 3.35% |
Glenwood State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood 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 Glenwood State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 956) · FFIEC NIC profile (RSSD 566243)