Marion County State 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 4.03 percentage points in Q2 2026, from 106.78% to 102.75%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Marion County State Bank is 78th of 225 on loan-to-deposit ratio, 89.40% as of Q2 2026, above the middle of the field. Marion County State Bank reported 89.40% on loan-to-deposit ratio for Q2 2026, 8.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $488.7M |
| Net loans and leases | $484.8M |
| Loans held for sale | $1.3M |
| Loans to total assets | 77.73% |
| Loan-to-deposit ratio | 89.40% |
| Net loans to equity capital | 7.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.74% |
| Multifamily (5+ residential) | 4.84% |
| Commercial and industrial | 9.55% |
| Consumer | 1.21% |
| Credit cards | 0.15% |
| Farm | 19.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.75% |
| Construction concentration (Tier 1 capital + allowance) | 19.18% |
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 | 5.90% |
| Interest income on loans | $7.2M |
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 | $437.8M | $527.1M | 15.72% | 13.89% | 2.30% |
| Q4 2023 | $453.1M | $580.2M | 15.84% | 13.18% | 1.96% |
| Q1 2024 | $460.5M | $563.0M | 15.61% | 12.63% | 1.96% |
| Q2 2024 | $470.1M | $550.6M | 16.13% | 12.56% | 1.83% |
| Q3 2024 | $471.2M | $560.2M | 16.01% | 11.77% | 1.76% |
| Q4 2024 | $473.4M | $558.5M | 15.65% | 10.62% | 1.60% |
| Q1 2025 | $469.8M | $542.3M | 13.40% | 10.97% | 1.56% |
| Q2 2025 | $471.3M | $550.2M | 13.28% | 10.70% | 1.49% |
| Q3 2025 | $484.6M | $524.4M | 13.92% | 9.39% | 1.41% |
| Q4 2025 | $491.7M | $553.3M | 13.89% | 9.34% | 1.34% |
| Q1 2026 | $490.1M | $536.4M | 14.45% | 9.71% | 1.27% |
| Q2 2026 | $488.7M | $546.6M | 14.74% | 9.55% | 1.21% |
Marion County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion County State 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 Marion County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15272) · FFIEC NIC profile (RSSD 97943)