Iowa Trust and 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 Loan-to-deposit ratio: 2.49 percentage points higher than in Q1 2026, at 64.66%. Within Iowa, Iowa Trust and Savings Bank is 180th of 225 on loan-to-deposit ratio, 64.66% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Iowa Trust and Savings Bank sits 16.18 points lower, at 64.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.9M |
| Net loans and leases | $90.5M |
| Loans held for sale | $192K |
| Loans to total assets | 43.61% |
| Loan-to-deposit ratio | 64.66% |
| Net loans to equity capital | 4.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.84% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 5.75% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 44.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.79% |
| Construction concentration (Tier 1 capital + allowance) | 5.30% |
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 | 7.05% |
| 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 | $97.0M | $159.2M | 5.47% | 13.10% | 3.91% |
| Q4 2023 | $97.6M | $156.4M | 5.63% | 12.98% | 3.66% |
| Q1 2024 | $94.5M | $153.7M | 5.56% | 12.13% | 3.64% |
| Q2 2024 | $93.0M | $150.4M | 5.55% | 12.23% | 3.52% |
| Q3 2024 | $96.3M | $150.7M | 6.48% | 12.12% | 3.17% |
| Q4 2024 | $93.3M | $151.6M | 6.48% | 12.54% | 3.06% |
| Q1 2025 | $94.3M | $151.0M | 6.31% | 12.38% | 2.75% |
| Q2 2025 | $93.3M | $143.0M | 6.20% | 12.20% | 2.78% |
| Q3 2025 | $95.1M | $135.3M | 6.09% | 11.70% | 2.77% |
| Q4 2025 | $94.9M | $140.4M | 6.20% | 10.24% | 2.83% |
| Q1 2026 | $92.0M | $147.9M | 10.51% | 6.16% | 2.79% |
| Q2 2026 | $91.9M | $142.1M | 9.84% | 5.75% | 2.83% |
Iowa Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Trust and 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 Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1547) · FFIEC NIC profile (RSSD 202541)