Liberty 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.
Loan-to-deposit ratio dropped 3.23 percentage points in Q2 2026, from 74.64% to 71.41%. It was the largest change from Q1 2026 among the key lines here. Liberty Trust & Savings Bank ranks 159th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 71.41% (Q2 2026). Liberty Trust & Savings Bank reported 71.41% on loan-to-deposit ratio for Q2 2026, 9.43 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $106.8M |
| Net loans and leases | $105.3M |
| Loans held for sale | $0 |
| Loans to total assets | 57.33% |
| Loan-to-deposit ratio | 71.41% |
| Net loans to equity capital | 2.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.08% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 15.94% |
| Consumer | 3.45% |
| Credit cards | 0.00% |
| Farm | 31.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.66% |
| Construction concentration (Tier 1 capital + allowance) | 7.53% |
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 | 6.03% |
| 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 | $89.1M | $130.3M | 10.48% | 15.52% | 4.36% |
| Q4 2023 | $92.8M | $133.4M | 10.41% | 12.87% | 3.87% |
| Q1 2024 | $98.5M | $130.6M | 9.51% | 11.45% | 3.84% |
| Q2 2024 | $99.5M | $143.1M | 8.97% | 14.62% | 4.03% |
| Q3 2024 | $102.4M | $142.7M | 8.57% | 14.02% | 3.94% |
| Q4 2024 | $105.1M | $143.5M | 8.87% | 13.84% | 3.91% |
| Q1 2025 | $110.7M | $144.8M | 8.74% | 14.53% | 3.59% |
| Q2 2025 | $106.8M | $144.1M | 8.75% | 15.97% | 3.57% |
| Q3 2025 | $109.5M | $141.8M | 8.58% | 18.65% | 3.49% |
| Q4 2025 | $108.4M | $145.8M | 8.46% | 16.36% | 3.49% |
| Q1 2026 | $110.1M | $147.5M | 8.25% | 14.19% | 3.45% |
| Q2 2026 | $106.8M | $149.5M | 8.08% | 15.94% | 3.45% |
Liberty Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10121) · FFIEC NIC profile (RSSD 644646)