Grinnell 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.
Loan-to-deposit ratio climbed 4.05 percentage points in Q2 2026, from 103.86% to 107.91%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Grinnell State Bank sits 10th from the top on loan-to-deposit ratio, 107.91% as of Q2 2026. Grinnell State Bank reported 107.91% on loan-to-deposit ratio for Q2 2026, 27.08 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $374.0M |
| Net loans and leases | $370.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.01% |
| Loan-to-deposit ratio | 107.91% |
| Net loans to equity capital | 7.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.86% |
| Multifamily (5+ residential) | 5.92% |
| Commercial and industrial | 5.59% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 6.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 404.38% |
| Construction concentration (Tier 1 capital + allowance) | 17.20% |
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 | 6.97% |
| Interest income on loans | $6.4M |
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 | $334.8M | $365.0M | 63.80% | 4.71% | 0.26% |
| Q4 2023 | $332.1M | $364.2M | 62.50% | 4.56% | 0.22% |
| Q1 2024 | $348.4M | $359.2M | 62.62% | 5.44% | 0.24% |
| Q2 2024 | $368.1M | $348.2M | 61.36% | 6.36% | 0.26% |
| Q3 2024 | $378.3M | $344.3M | 63.12% | 5.56% | 0.26% |
| Q4 2024 | $377.0M | $333.9M | 60.67% | 5.90% | 0.23% |
| Q1 2025 | $385.2M | $342.9M | 61.01% | 6.59% | 0.20% |
| Q2 2025 | $378.1M | $333.6M | 61.59% | 7.02% | 0.21% |
| Q3 2025 | $367.6M | $320.1M | 62.63% | 6.21% | 0.22% |
| Q4 2025 | $360.8M | $347.9M | 61.59% | 6.44% | 0.25% |
| Q1 2026 | $365.4M | $351.8M | 64.33% | 6.04% | 0.25% |
| Q2 2026 | $374.0M | $346.6M | 62.86% | 5.59% | 0.25% |
Grinnell State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grinnell 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 Grinnell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11347) · FFIEC NIC profile (RSSD 783246)