Hardin County Savings 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 Construction concentration (Tier 1 capital + allowance): 6.40 percentage points lower than in Q1 2026, at 88.22%. Hardin County Savings Bank ranks 139th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 76.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hardin County Savings Bank sits 3.86 points lower, at 76.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.7M |
| Net loans and leases | $247.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.08% |
| Loan-to-deposit ratio | 76.98% |
| Net loans to equity capital | 10.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.03% |
| Multifamily (5+ residential) | 4.54% |
| Commercial and industrial | 7.64% |
| Consumer | 4.25% |
| Credit cards | 0.00% |
| Farm | 12.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.37% |
| Construction concentration (Tier 1 capital + allowance) | 88.22% |
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 | 6.47% |
| Interest income on loans | $3.9M |
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 | $180.6M | $283.5M | 14.94% | 10.66% | 8.71% |
| Q4 2023 | $193.0M | $280.0M | 14.60% | 9.84% | 7.84% |
| Q1 2024 | $188.2M | $291.1M | 15.36% | 9.82% | 7.82% |
| Q2 2024 | $187.5M | $280.1M | 13.86% | 9.72% | 7.50% |
| Q3 2024 | $193.4M | $291.3M | 13.80% | 9.34% | 6.82% |
| Q4 2024 | $204.5M | $290.7M | 13.70% | 8.83% | 6.33% |
| Q1 2025 | $210.4M | $310.9M | 14.49% | 8.64% | 6.07% |
| Q2 2025 | $222.4M | $321.7M | 12.52% | 8.23% | 5.56% |
| Q3 2025 | $232.4M | $350.6M | 12.11% | 8.42% | 5.11% |
| Q4 2025 | $253.2M | $324.3M | 11.42% | 7.86% | 4.46% |
| Q1 2026 | $250.1M | $337.2M | 12.09% | 7.71% | 4.35% |
| Q2 2026 | $249.7M | $324.4M | 13.03% | 7.64% | 4.25% |
Hardin County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hardin County Savings 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 Hardin County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5817) · FFIEC NIC profile (RSSD 647245)