Lincoln 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): 16.71 percentage points higher than in Q1 2026, at 305.17%. Within Iowa, Lincoln Savings Bank is 125th of 225 on loan-to-deposit ratio, 80.27% as of Q2 2026, below the middle of the field. Lincoln Savings Bank reported 80.27% on loan-to-deposit ratio for Q2 2026, 7.93 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.18B |
| Net loans and leases | $1.17B |
| Loans held for sale | $986K |
| Loans to total assets | 69.14% |
| Loan-to-deposit ratio | 80.27% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.37% |
| Multifamily (5+ residential) | 14.80% |
| Commercial and industrial | 19.61% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 8.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 305.17% |
| Construction concentration (Tier 1 capital + allowance) | 31.97% |
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 | 5.84% |
| Interest income on loans | $17.2M |
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 | $1.40B | $1.62B | 27.45% | 20.96% | 0.35% |
| Q4 2023 | $1.41B | $1.67B | 27.72% | 19.98% | 0.33% |
| Q1 2024 | $1.41B | $1.61B | 28.02% | 20.59% | 0.32% |
| Q2 2024 | $1.40B | $1.54B | 27.82% | 20.34% | 0.33% |
| Q3 2024 | $1.39B | $1.56B | 29.10% | 20.80% | 0.27% |
| Q4 2024 | $1.42B | $1.59B | 28.12% | 21.38% | 0.28% |
| Q1 2025 | $1.36B | $1.57B | 28.81% | 19.21% | 0.28% |
| Q2 2025 | $1.30B | $1.55B | 28.25% | 18.43% | 0.32% |
| Q3 2025 | $1.24B | $1.54B | 27.25% | 18.14% | 0.28% |
| Q4 2025 | $1.17B | $1.51B | 28.38% | 17.30% | 0.30% |
| Q1 2026 | $1.16B | $1.54B | 28.18% | 17.69% | 0.27% |
| Q2 2026 | $1.18B | $1.47B | 30.37% | 19.61% | 0.28% |
Lincoln Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lincoln 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 Lincoln Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14207) · FFIEC NIC profile (RSSD 589943)