Mediapolis 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 climbed 5.29 percentage points in Q2 2026, from 89.29% to 94.58%. It was the largest change from Q1 2026 among the key lines here. Mediapolis Savings Bank ranks 51st of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 94.58% (Q2 2026). Mediapolis Savings Bank reported 94.58% on loan-to-deposit ratio for Q2 2026, 13.74 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $213.6M |
| Net loans and leases | $211.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.14% |
| Loan-to-deposit ratio | 94.58% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.04% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 10.33% |
| Consumer | 3.75% |
| Credit cards | 0.00% |
| Farm | 24.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.67% |
| Construction concentration (Tier 1 capital + allowance) | 9.38% |
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 | $166.8M | $210.3M | 5.20% | 11.33% | 3.81% |
| Q4 2023 | $169.4M | $205.2M | 5.31% | 10.45% | 3.91% |
| Q1 2024 | $175.2M | $203.8M | 5.91% | 10.41% | 3.85% |
| Q2 2024 | $179.2M | $207.2M | 7.30% | 10.31% | 3.55% |
| Q3 2024 | $180.3M | $206.1M | 7.18% | 9.74% | 3.67% |
| Q4 2024 | $186.3M | $215.5M | 6.99% | 9.73% | 3.55% |
| Q1 2025 | $190.0M | $225.4M | 7.03% | 9.20% | 3.78% |
| Q2 2025 | $191.2M | $229.0M | 7.20% | 8.47% | 3.91% |
| Q3 2025 | $195.4M | $227.2M | 7.11% | 8.63% | 3.68% |
| Q4 2025 | $200.7M | $222.3M | 7.25% | 9.26% | 3.72% |
| Q1 2026 | $207.2M | $232.0M | 7.05% | 9.91% | 3.47% |
| Q2 2026 | $213.6M | $225.8M | 7.04% | 10.33% | 3.75% |
Mediapolis Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mediapolis 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 Mediapolis Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15772) · FFIEC NIC profile (RSSD 826648)