Guthrie County 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.
Construction concentration (tier 1 capital + allowance) dropped 4.61 percentage points in Q2 2026, from 16.99% to 12.38%. It was the largest change from Q1 2026 among the key lines here. Guthrie County State Bank ranks 141st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 76.09% (Q2 2026). Guthrie County State Bank reported 76.09% on loan-to-deposit ratio for Q2 2026, 4.75 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $159.3M |
| Net loans and leases | $157.3M |
| Loans held for sale | $0 |
| Loans to total assets | 57.04% |
| Loan-to-deposit ratio | 76.09% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.45% |
| Consumer | 3.91% |
| Credit cards | 0.07% |
| Farm | 22.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.13% |
| Construction concentration (Tier 1 capital + allowance) | 12.38% |
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 | 6.89% |
| Interest income on loans | $2.7M |
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 | $124.9M | $192.2M | 16.16% | 13.22% | 5.59% |
| Q4 2023 | $129.1M | $205.8M | 16.40% | 11.19% | 5.72% |
| Q1 2024 | $130.1M | $209.1M | 17.49% | 11.04% | 5.76% |
| Q2 2024 | $136.1M | $209.1M | 17.07% | 13.65% | 5.48% |
| Q3 2024 | $143.4M | $210.6M | 15.43% | 17.01% | 5.17% |
| Q4 2024 | $146.3M | $198.5M | 15.05% | 16.13% | 5.14% |
| Q1 2025 | $143.7M | $216.3M | 15.09% | 15.23% | 5.09% |
| Q2 2025 | $155.1M | $206.0M | 13.87% | 16.18% | 4.69% |
| Q3 2025 | $163.1M | $203.0M | 14.15% | 15.69% | 4.43% |
| Q4 2025 | $160.8M | $202.7M | 14.11% | 15.54% | 4.27% |
| Q1 2026 | $153.3M | $214.4M | 14.97% | 15.23% | 4.28% |
| Q2 2026 | $159.3M | $209.3M | 14.80% | 18.45% | 3.91% |
Guthrie County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guthrie County 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 Guthrie County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 226) · FFIEC NIC profile (RSSD 969844)