Iowa State Savings 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): 6.84 percentage points lower than in Q1 2026, at 35.45%. Iowa State Savings Bank ranks 174th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 66.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Iowa State Savings Bank sits 14.26 points lower, at 66.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $164.2M |
| Net loans and leases | $161.7M |
| Loans held for sale | $0 |
| Loans to total assets | 59.38% |
| Loan-to-deposit ratio | 66.68% |
| Net loans to equity capital | 5.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.92% |
| Multifamily (5+ residential) | 3.13% |
| Commercial and industrial | 5.69% |
| Consumer | 2.28% |
| Credit cards | 0.16% |
| Farm | 34.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.45% |
| Construction concentration (Tier 1 capital + allowance) | 5.15% |
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 | 5.91% |
| 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 | $147.6M | $222.7M | 8.12% | 7.20% | 2.25% |
| Q4 2023 | $155.3M | $224.6M | 7.62% | 5.75% | 2.20% |
| Q1 2024 | $154.9M | $240.2M | 7.87% | 5.90% | 1.94% |
| Q2 2024 | $158.9M | $228.6M | 7.88% | 6.12% | 1.94% |
| Q3 2024 | $160.5M | $228.1M | 7.66% | 6.12% | 2.13% |
| Q4 2024 | $167.4M | $239.5M | 7.26% | 5.76% | 2.01% |
| Q1 2025 | $161.5M | $252.9M | 7.60% | 6.01% | 2.13% |
| Q2 2025 | $155.2M | $247.9M | 5.30% | 5.83% | 2.64% |
| Q3 2025 | $155.0M | $247.5M | 5.22% | 6.01% | 2.91% |
| Q4 2025 | $166.2M | $250.4M | 4.95% | 5.90% | 2.36% |
| Q1 2026 | $160.9M | $255.6M | 5.05% | 5.83% | 2.35% |
| Q2 2026 | $164.2M | $246.2M | 4.92% | 5.69% | 2.28% |
Iowa State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa State Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8751) · FFIEC NIC profile (RSSD 869346)