GNB 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: 3.04 percentage points higher than in Q1 2026, at 89.75%. Within Iowa, GNB Bank is 74th of 225 on loan-to-deposit ratio, 89.75% as of Q2 2026, above the middle of the field. GNB Bank reported 89.75% on loan-to-deposit ratio for Q2 2026, 8.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $446.9M |
| Net loans and leases | $440.5M |
| Loans held for sale | $936K |
| Loans to total assets | 71.93% |
| Loan-to-deposit ratio | 89.75% |
| Net loans to equity capital | 5.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.34% |
| Multifamily (5+ residential) | 4.88% |
| Commercial and industrial | 19.59% |
| Consumer | 1.05% |
| Credit cards | 0.39% |
| Farm | 16.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.79% |
| Construction concentration (Tier 1 capital + allowance) | 8.77% |
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 | 6.44% |
| Interest income on loans | $7.2M |
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 | $435.5M | $534.3M | 13.11% | 17.37% | 1.04% |
| Q4 2023 | $440.4M | $527.6M | 12.94% | 17.07% | 1.17% |
| Q1 2024 | $442.3M | $520.7M | 13.30% | 17.26% | 1.09% |
| Q2 2024 | $437.5M | $500.0M | 12.51% | 20.36% | 1.08% |
| Q3 2024 | $441.1M | $507.2M | 11.76% | 20.84% | 1.04% |
| Q4 2024 | $442.4M | $497.6M | 10.86% | 18.20% | 1.04% |
| Q1 2025 | $441.4M | $507.2M | 10.87% | 19.03% | 1.03% |
| Q2 2025 | $453.5M | $498.2M | 12.43% | 20.75% | 1.00% |
| Q3 2025 | $456.7M | $515.6M | 12.22% | 20.76% | 1.04% |
| Q4 2025 | $457.8M | $494.5M | 11.98% | 19.71% | 1.01% |
| Q1 2026 | $446.2M | $514.5M | 12.32% | 17.56% | 1.03% |
| Q2 2026 | $446.9M | $498.0M | 12.34% | 19.59% | 1.05% |
GNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock GNB 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 GNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14079) · FFIEC NIC profile (RSSD 724744)