Kerndt Brothers 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.
Cre concentration (tier 1 capital + allowance) dropped 12.28 percentage points in Q2 2026, from 121.39% to 109.11%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Kerndt Brothers Savings Bank is 153rd of 225 on loan-to-deposit ratio, 72.50% as of Q2 2026, below the middle of the field. Kerndt Brothers Savings Bank reported 72.50% on loan-to-deposit ratio for Q2 2026, 8.33 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.1M |
| Net loans and leases | $202.2M |
| Loans held for sale | $34K |
| Loans to total assets | 59.06% |
| Loan-to-deposit ratio | 72.50% |
| Net loans to equity capital | 5.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.67% |
| Multifamily (5+ residential) | 7.70% |
| Commercial and industrial | 4.71% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 35.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.11% |
| Construction concentration (Tier 1 capital + allowance) | 2.78% |
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 | 6.60% |
| Interest income on loans | $3.5M |
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 | $243.8M | $289.3M | 16.19% | 10.27% | 1.55% |
| Q4 2023 | $250.8M | $290.7M | 18.36% | 9.40% | 1.52% |
| Q1 2024 | $250.1M | $291.4M | 18.86% | 8.53% | 1.31% |
| Q2 2024 | $245.7M | $276.5M | 18.61% | 8.81% | 1.23% |
| Q3 2024 | $243.3M | $275.6M | 19.02% | 8.95% | 1.16% |
| Q4 2024 | $243.2M | $273.2M | 18.02% | 8.02% | 1.15% |
| Q1 2025 | $234.2M | $271.1M | 18.69% | 7.90% | 1.19% |
| Q2 2025 | $227.6M | $268.7M | 19.33% | 7.47% | 1.19% |
| Q3 2025 | $226.5M | $274.7M | 19.29% | 7.08% | 1.18% |
| Q4 2025 | $227.5M | $273.4M | 18.17% | 5.79% | 1.06% |
| Q1 2026 | $220.2M | $287.9M | 18.52% | 5.92% | 1.05% |
| Q2 2026 | $205.1M | $282.8M | 17.67% | 4.71% | 1.05% |
Kerndt Brothers Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kerndt Brothers 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 Kerndt Brothers Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8761) · FFIEC NIC profile (RSSD 665146)