Home 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.
Loans held for sale dropped 82.8% in Q2 2026, from $3.1M to $532K. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Home State Bank is 81st of 225 on loan-to-deposit ratio, 88.93% as of Q2 2026, above the middle of the field. Home State Bank reported 88.93% on loan-to-deposit ratio for Q2 2026, 8.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $388.6M |
| Net loans and leases | $378.4M |
| Loans held for sale | $532K |
| Loans to total assets | 80.83% |
| Loan-to-deposit ratio | 88.93% |
| Net loans to equity capital | 9.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.14% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 16.94% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 12.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.51% |
| Construction concentration (Tier 1 capital + allowance) | 128.37% |
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 | — |
| Interest income on loans | $6.3M |
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 | $327.3M | $362.4M | 30.96% | 19.04% | 1.28% |
| Q4 2023 | $339.3M | $374.7M | 31.30% | 17.01% | 1.20% |
| Q1 2024 | $339.2M | $383.8M | 30.78% | 18.13% | 1.12% |
| Q2 2024 | $334.1M | $382.3M | 30.49% | 19.21% | 1.08% |
| Q3 2024 | $343.3M | $386.6M | 29.50% | 21.36% | 1.15% |
| Q4 2024 | $343.7M | $390.6M | 32.27% | 20.07% | 1.08% |
| Q1 2025 | $351.3M | $404.1M | 30.91% | 20.47% | 1.02% |
| Q2 2025 | $354.7M | $402.6M | 32.14% | 20.17% | 0.97% |
| Q3 2025 | $370.2M | $420.0M | 31.04% | 20.32% | 0.89% |
| Q4 2025 | $371.4M | $417.5M | 31.54% | 18.28% | 0.84% |
| Q1 2026 | $385.4M | $442.1M | 34.35% | 18.46% | 0.71% |
| Q2 2026 | $388.6M | $436.9M | 36.14% | 16.94% | 0.55% |
Home State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14867) · FFIEC NIC profile (RSSD 653947)