The Home Trust & 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 Loan-to-deposit ratio: 2.21 percentage points higher than in Q1 2026, at 83.82%. Within Iowa, The Home Trust & Savings Bank is 107th of 225 on loan-to-deposit ratio, 83.82% as of Q2 2026, above the middle of the field. The Home Trust & Savings Bank reported 83.82% on loan-to-deposit ratio for Q2 2026, 2.98 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $212.0M |
| Net loans and leases | $209.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.68% |
| Loan-to-deposit ratio | 83.82% |
| Net loans to equity capital | 7.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.49% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 8.68% |
| Consumer | 2.04% |
| Credit cards | 0.00% |
| Farm | 26.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.63% |
| Construction concentration (Tier 1 capital + allowance) | 6.68% |
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 | 6.09% |
| Interest income on loans | $3.2M |
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 | $185.6M | $243.0M | 8.85% | 7.14% | 2.62% |
| Q4 2023 | $191.4M | $240.0M | 8.55% | 7.23% | 2.45% |
| Q1 2024 | $194.6M | $241.2M | 8.72% | 6.99% | 2.30% |
| Q2 2024 | $197.3M | $235.2M | 8.56% | 7.89% | 2.52% |
| Q3 2024 | $194.4M | $243.1M | 8.61% | 7.74% | 2.44% |
| Q4 2024 | $201.2M | $246.4M | 8.81% | 8.13% | 2.28% |
| Q1 2025 | $204.8M | $249.9M | 8.42% | 9.54% | 2.20% |
| Q2 2025 | $200.2M | $247.2M | 8.64% | 9.13% | 2.16% |
| Q3 2025 | $199.1M | $254.9M | 8.46% | 8.46% | 2.11% |
| Q4 2025 | $209.5M | $255.0M | 7.65% | 8.45% | 2.06% |
| Q1 2026 | $213.2M | $261.2M | 7.70% | 8.31% | 1.94% |
| Q2 2026 | $212.0M | $252.9M | 7.49% | 8.68% | 2.04% |
The Home Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Trust & 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 The Home Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 963) · FFIEC NIC profile (RSSD 60545)