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 Loans held for sale: 68.0% lower than in Q1 2026, at $329K. On loan-to-deposit ratio, Iowa State Bank ranks 22nd highest among the 225 banks headquartered in Iowa, at 103.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Iowa State Bank sits 15.41 points higher, at 103.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $904.5M |
| Net loans and leases | $893.8M |
| Loans held for sale | $329K |
| Loans to total assets | 71.96% |
| Loan-to-deposit ratio | 103.61% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.07% |
| Multifamily (5+ residential) | 3.71% |
| Commercial and industrial | 9.30% |
| Consumer | 1.30% |
| Credit cards | 0.23% |
| Farm | 40.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.91% |
| Construction concentration (Tier 1 capital + allowance) | 19.10% |
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 | 6.43% |
| Interest income on loans | $14.3M |
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 | $729.1M | $743.8M | 12.80% | 9.23% | 1.85% |
| Q4 2023 | $753.2M | $810.8M | 13.70% | 7.59% | 1.89% |
| Q1 2024 | $770.8M | $814.1M | 13.56% | 7.24% | 1.79% |
| Q2 2024 | $791.5M | $838.9M | 13.51% | 8.37% | 1.65% |
| Q3 2024 | $794.3M | $824.0M | 13.51% | 8.07% | 1.59% |
| Q4 2024 | $794.3M | $888.4M | 12.33% | 7.28% | 1.53% |
| Q1 2025 | $797.9M | $916.5M | 13.77% | 7.25% | 1.35% |
| Q2 2025 | $851.0M | $882.8M | 14.77% | 7.18% | 1.77% |
| Q3 2025 | $868.8M | $870.2M | 16.33% | 8.00% | 1.66% |
| Q4 2025 | $875.4M | $917.0M | 15.75% | 7.72% | 1.59% |
| Q1 2026 | $876.6M | $894.8M | 15.66% | 7.86% | 1.49% |
| Q2 2026 | $904.5M | $873.0M | 16.07% | 9.30% | 1.30% |
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 13953) · FFIEC NIC profile (RSSD 982348)