Iowa Trust & 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): 1.98 percentage points higher than in Q1 2026, at 342.03%. Iowa Trust & Savings Bank ranks 57th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 93.67% (Q2 2026). Iowa Trust & Savings Bank reported 93.67% on loan-to-deposit ratio for Q2 2026, 12.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $371.3M |
| Net loans and leases | $366.2M |
| Loans held for sale | $150K |
| Loans to total assets | 71.13% |
| Loan-to-deposit ratio | 93.67% |
| Net loans to equity capital | 6.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.31% |
| Multifamily (5+ residential) | 15.14% |
| Commercial and industrial | 7.60% |
| Consumer | 0.45% |
| Credit cards | 0.00% |
| Farm | 10.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.03% |
| Construction concentration (Tier 1 capital + allowance) | 112.75% |
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 | 6.31% |
| Interest income on loans | $5.7M |
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 | $333.7M | $360.0M | 28.12% | 5.39% | 0.24% |
| Q4 2023 | $371.5M | $413.1M | 25.42% | 8.28% | 0.85% |
| Q1 2024 | $380.2M | $422.6M | 24.74% | 8.32% | 0.72% |
| Q2 2024 | $385.8M | $405.7M | 24.36% | 8.02% | 0.68% |
| Q3 2024 | $397.0M | $419.0M | 25.55% | 7.25% | 0.77% |
| Q4 2024 | $394.9M | $415.7M | 25.38% | 6.66% | 0.56% |
| Q1 2025 | $388.3M | $428.9M | 25.60% | 6.74% | 0.59% |
| Q2 2025 | $379.5M | $402.5M | 27.23% | 6.87% | 0.48% |
| Q3 2025 | $364.7M | $395.5M | 27.73% | 7.17% | 0.53% |
| Q4 2025 | $350.1M | $394.2M | 27.65% | 7.37% | 0.56% |
| Q1 2026 | $369.6M | $392.5M | 28.07% | 6.88% | 0.48% |
| Q2 2026 | $371.3M | $396.4M | 27.31% | 7.60% | 0.45% |
Iowa Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iowa Trust & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18400) · FFIEC NIC profile (RSSD 649342)