Houghton 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.38 percentage points higher than in Q1 2026, at 86.94%. Houghton State Bank ranks 90th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 86.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Houghton State Bank sits 6.38 points higher, at 86.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.1M |
| Net loans and leases | $145.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.79% |
| Loan-to-deposit ratio | 86.94% |
| Net loans to equity capital | 4.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.81% |
| Multifamily (5+ residential) | 0.62% |
| Commercial and industrial | 11.22% |
| Consumer | 0.95% |
| Credit cards | 0.00% |
| Farm | 26.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.69% |
| Construction concentration (Tier 1 capital + allowance) | 3.62% |
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 | 6.33% |
| Interest income on loans | $2.4M |
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 | $165.8M | $179.0M | 3.52% | 8.63% | 0.77% |
| Q4 2023 | $178.6M | $169.7M | 3.23% | 10.26% | 0.65% |
| Q1 2024 | $177.3M | $183.3M | 3.28% | 11.73% | 0.71% |
| Q2 2024 | $169.0M | $174.8M | 3.82% | 9.72% | 0.76% |
| Q3 2024 | $167.7M | $188.2M | 4.46% | 9.74% | 0.83% |
| Q4 2024 | $161.3M | $183.5M | 4.62% | 9.90% | 0.84% |
| Q1 2025 | $158.1M | $181.0M | 4.52% | 11.34% | 0.89% |
| Q2 2025 | $155.4M | $172.4M | 4.50% | 11.41% | 0.90% |
| Q3 2025 | $154.7M | $166.8M | 5.68% | 11.06% | 0.85% |
| Q4 2025 | $157.8M | $175.0M | 5.48% | 10.04% | 0.84% |
| Q1 2026 | $149.5M | $183.3M | 5.75% | 10.77% | 1.01% |
| Q2 2026 | $147.1M | $169.2M | 5.81% | 11.22% | 0.95% |
Houghton State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Houghton 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 Houghton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15405) · FFIEC NIC profile (RSSD 528241)