Iowa 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.
Construction concentration (tier 1 capital + allowance) dropped 3.90 percentage points in Q2 2026, from 51.59% to 47.69%. It was the largest change from Q1 2026 among the key lines here. Iowa State Bank ranks 162nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 70.56% (Q2 2026). Iowa State Bank reported 70.56% on loan-to-deposit ratio for Q2 2026, 10.28 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $276.6M |
| Net loans and leases | $274.5M |
| Loans held for sale | $0 |
| Loans to total assets | 57.56% |
| Loan-to-deposit ratio | 70.56% |
| Net loans to equity capital | 3.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.40% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 7.22% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 1.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.35% |
| Construction concentration (Tier 1 capital + allowance) | 47.69% |
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 | 5.42% |
| Interest income on loans | $3.6M |
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 | $252.9M | $352.9M | 51.12% | 9.56% | 0.95% |
| Q4 2023 | $265.3M | $365.5M | 48.62% | 9.43% | 0.77% |
| Q1 2024 | $263.9M | $359.0M | 48.22% | 9.64% | 0.68% |
| Q2 2024 | $270.0M | $365.0M | 47.72% | 9.25% | 0.65% |
| Q3 2024 | $269.4M | $358.7M | 49.97% | 9.25% | 0.37% |
| Q4 2024 | $274.9M | $382.1M | 48.55% | 8.49% | 0.37% |
| Q1 2025 | $274.2M | $380.2M | 46.63% | 9.18% | 0.30% |
| Q2 2025 | $268.9M | $377.9M | 47.52% | 9.13% | 0.29% |
| Q3 2025 | $265.8M | $370.7M | 48.69% | 8.53% | 0.26% |
| Q4 2025 | $263.9M | $380.7M | 49.55% | 8.03% | 0.53% |
| Q1 2026 | $265.2M | $378.6M | 47.92% | 7.71% | 0.27% |
| Q2 2026 | $276.6M | $392.0M | 48.40% | 7.22% | 0.24% |
Iowa State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15808) · FFIEC NIC profile (RSSD 662949)