Iowa Falls 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 CRE concentration (Tier 1 capital + allowance): 14.68 percentage points lower than in Q1 2026, at 145.62%. Iowa Falls State Bank ranks 191st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 60.58% (Q2 2026). Iowa Falls State Bank reported 60.58% on loan-to-deposit ratio for Q2 2026, 20.25 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.6M |
| Net loans and leases | $97.6M |
| Loans held for sale | $0 |
| Loans to total assets | 48.95% |
| Loan-to-deposit ratio | 60.58% |
| Net loans to equity capital | 3.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.30% |
| Multifamily (5+ residential) | 6.84% |
| Commercial and industrial | 10.52% |
| Consumer | 1.46% |
| Credit cards | 0.00% |
| Farm | 15.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.62% |
| Construction concentration (Tier 1 capital + allowance) | 20.54% |
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 | 6.40% |
| Interest income on loans | $1.6M |
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 | $75.4M | $131.4M | 16.44% | 13.09% | 2.65% |
| Q4 2023 | $85.3M | $138.0M | 16.63% | 14.34% | 2.19% |
| Q1 2024 | $86.1M | $139.3M | 16.62% | 14.33% | 2.06% |
| Q2 2024 | $87.4M | $141.4M | 16.16% | 13.38% | 2.00% |
| Q3 2024 | $88.5M | $143.3M | 15.72% | 14.68% | 2.11% |
| Q4 2024 | $89.1M | $141.5M | 16.48% | 14.61% | 1.91% |
| Q1 2025 | $90.2M | $151.2M | 16.71% | 14.45% | 1.89% |
| Q2 2025 | $93.3M | $152.4M | 18.93% | 13.65% | 1.75% |
| Q3 2025 | $101.1M | $156.9M | 19.87% | 13.65% | 1.51% |
| Q4 2025 | $99.6M | $160.7M | 18.85% | 13.85% | 1.41% |
| Q1 2026 | $100.2M | $157.6M | 18.44% | 13.66% | 1.36% |
| Q2 2026 | $98.6M | $162.8M | 17.30% | 10.52% | 1.46% |
Iowa Falls State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Falls 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 Iowa Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15311) · FFIEC NIC profile (RSSD 989141)