Midstates Bank, N.A.: 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 3.69 percentage points in Q2 2026, from 79.01% to 75.32%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Midstates Bank, N.A. is 145th of 225 on loan-to-deposit ratio, 75.32% as of Q2 2026, below the middle of the field. Midstates Bank, N.A. reported 75.32% on loan-to-deposit ratio for Q2 2026, 5.52 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $429.5M |
| Net loans and leases | $420.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.68% |
| Loan-to-deposit ratio | 75.32% |
| Net loans to equity capital | 6.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.51% |
| Multifamily (5+ residential) | 11.78% |
| Commercial and industrial | 5.58% |
| Consumer | 0.66% |
| Credit cards | 0.00% |
| Farm | 18.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.01% |
| Construction concentration (Tier 1 capital + allowance) | 24.00% |
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 | 6.46% |
| Interest income on loans | $6.8M |
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 | $396.5M | $528.2M | 15.17% | 6.95% | 0.84% |
| Q4 2023 | $409.6M | $544.8M | 14.68% | 6.00% | 0.84% |
| Q1 2024 | $411.2M | $558.0M | 14.40% | 5.21% | 0.83% |
| Q2 2024 | $402.6M | $556.0M | 14.45% | 5.86% | 0.86% |
| Q3 2024 | $408.3M | $542.7M | 14.47% | 5.79% | 0.80% |
| Q4 2024 | $407.3M | $559.3M | 14.27% | 5.04% | 0.80% |
| Q1 2025 | $405.7M | $558.9M | 14.67% | 3.72% | 0.74% |
| Q2 2025 | $406.1M | $537.8M | 14.01% | 3.97% | 0.75% |
| Q3 2025 | $409.6M | $527.7M | 14.22% | 4.92% | 0.74% |
| Q4 2025 | $423.3M | $542.9M | 12.91% | 6.07% | 0.69% |
| Q1 2026 | $429.0M | $542.9M | 14.56% | 5.31% | 0.65% |
| Q2 2026 | $429.5M | $570.2M | 14.51% | 5.58% | 0.66% |
Midstates Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midstates Bank, N.A., 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 Midstates Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4465) · FFIEC NIC profile (RSSD 728948)