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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.31 percentage points lower than in Q1 2026, at 29.82%. Within Iowa, Iowa State Bank is 126th of 225 on loan-to-deposit ratio, 80.25% as of Q2 2026, below the middle of the field. At 80.25%, Iowa State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $304.0M |
| Net loans and leases | $300.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.59% |
| Loan-to-deposit ratio | 80.25% |
| Net loans to equity capital | 7.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.58% |
| Multifamily (5+ residential) | 0.92% |
| Commercial and industrial | 4.75% |
| Consumer | 1.81% |
| Credit cards | 0.00% |
| Farm | 38.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.82% |
| Construction concentration (Tier 1 capital + allowance) | 15.43% |
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 | 6.70% |
| Interest income on loans | $5.1M |
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 | $261.2M | $333.6M | 20.77% | 6.01% | 2.48% |
| Q4 2023 | $282.5M | $349.8M | 22.00% | 5.37% | 2.49% |
| Q1 2024 | $284.0M | $346.1M | 22.94% | 5.11% | 1.93% |
| Q2 2024 | $291.1M | $335.1M | 23.04% | 4.86% | 1.94% |
| Q3 2024 | $295.3M | $346.6M | 21.48% | 6.61% | 1.98% |
| Q4 2024 | $288.4M | $355.5M | 19.99% | 6.68% | 2.10% |
| Q1 2025 | $291.0M | $348.8M | 22.14% | 4.80% | 2.10% |
| Q2 2025 | $300.5M | $339.6M | 24.29% | 5.71% | 2.24% |
| Q3 2025 | $305.7M | $351.2M | 23.45% | 5.28% | 2.15% |
| Q4 2025 | $301.1M | $374.1M | 22.56% | 4.82% | 1.92% |
| Q1 2026 | $301.2M | $384.6M | 23.65% | 4.66% | 1.88% |
| Q2 2026 | $304.0M | $378.9M | 24.58% | 4.75% | 1.81% |
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 950) · FFIEC NIC profile (RSSD 734248)