Liberty National 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 Construction concentration (Tier 1 capital + allowance): 41.67 percentage points lower than in Q1 2026, at 55.10%. Liberty National Bank ranks 25th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 102.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Liberty National Bank sits 21.68 points higher, at 102.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $468.8M |
| Net loans and leases | $464.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.08% |
| Loan-to-deposit ratio | 102.51% |
| Net loans to equity capital | 4.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.26% |
| Multifamily (5+ residential) | 9.78% |
| Commercial and industrial | 10.83% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 15.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.43% |
| Construction concentration (Tier 1 capital + allowance) | 55.10% |
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 | 6.01% |
| Interest income on loans | $7.0M |
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 | $384.2M | $418.0M | 34.81% | 10.31% | 0.57% |
| Q4 2023 | $403.5M | $474.4M | 32.96% | 12.48% | 0.56% |
| Q1 2024 | $411.0M | $420.7M | 32.40% | 11.71% | 0.48% |
| Q2 2024 | $409.5M | $422.0M | 32.70% | 11.96% | 0.47% |
| Q3 2024 | $423.9M | $412.2M | 32.99% | 11.02% | 0.45% |
| Q4 2024 | $425.9M | $460.8M | 32.41% | 11.92% | 0.48% |
| Q1 2025 | $438.5M | $440.1M | 31.65% | 12.40% | 0.48% |
| Q2 2025 | $437.8M | $426.5M | 30.54% | 12.22% | 0.46% |
| Q3 2025 | $453.3M | $418.4M | 29.75% | 12.36% | 0.41% |
| Q4 2025 | $456.5M | $424.6M | 30.14% | 12.49% | 0.39% |
| Q1 2026 | $464.6M | $442.3M | 29.60% | 11.76% | 0.38% |
| Q2 2026 | $468.8M | $457.3M | 28.26% | 10.83% | 0.31% |
Liberty National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty National 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 Liberty National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57505) · FFIEC NIC profile (RSSD 3140822)