Heartland 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.
Cre concentration (tier 1 capital + allowance) climbed 5.54 percentage points in Q2 2026, from 73.85% to 79.39%. It was the largest change from Q1 2026 among the key lines here. Among 225 Iowa banks, Heartland Bank sits 15th from the top on loan-to-deposit ratio, 106.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heartland Bank sits 25.28 points higher, at 106.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $216.1M |
| Net loans and leases | $212.3M |
| Loans held for sale | $0 |
| Loans to total assets | 84.40% |
| Loan-to-deposit ratio | 106.12% |
| Net loans to equity capital | 6.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.83% |
| Multifamily (5+ residential) | 2.47% |
| Commercial and industrial | 14.63% |
| Consumer | 0.70% |
| Credit cards | 0.00% |
| Farm | 14.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.39% |
| Construction concentration (Tier 1 capital + allowance) | 2.24% |
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 | 7.21% |
| 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 | $198.8M | $198.0M | 10.24% | 16.32% | 1.19% |
| Q4 2023 | $196.2M | $196.5M | 12.07% | 15.64% | 1.15% |
| Q1 2024 | $203.9M | $198.0M | 11.77% | 15.97% | 1.05% |
| Q2 2024 | $199.9M | $199.7M | 11.79% | 15.44% | 1.03% |
| Q3 2024 | $199.8M | $194.6M | 12.37% | 15.11% | 0.99% |
| Q4 2024 | $209.4M | $204.9M | 14.76% | 15.07% | 0.89% |
| Q1 2025 | $204.8M | $205.2M | 15.96% | 14.58% | 0.88% |
| Q2 2025 | $206.9M | $198.8M | 16.52% | 14.28% | 0.88% |
| Q3 2025 | $220.8M | $203.5M | 17.34% | 15.24% | 0.76% |
| Q4 2025 | $219.5M | $200.9M | 17.89% | 15.03% | 0.76% |
| Q1 2026 | $219.7M | $208.8M | 19.44% | 14.09% | 0.71% |
| Q2 2026 | $216.1M | $203.7M | 21.83% | 14.63% | 0.70% |
Heartland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14809) · FFIEC NIC profile (RSSD 604547)