Midwest Heritage Bank, FSB: 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): 15.04 percentage points higher than in Q1 2026, at 82.78%. Midwest Heritage Bank, FSB ranks 121st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 81.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Midwest Heritage Bank, FSB reported 81.57% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $529.9M |
| Net loans and leases | $521.9M |
| Loans held for sale | $1.4M |
| Loans to total assets | 68.97% |
| Loan-to-deposit ratio | 81.57% |
| Net loans to equity capital | 5.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.03% |
| Multifamily (5+ residential) | 1.67% |
| Commercial and industrial | 9.38% |
| Consumer | 8.90% |
| Credit cards | 0.00% |
| Farm | 21.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.78% |
| Construction concentration (Tier 1 capital + allowance) | 18.63% |
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 | 6.44% |
| Interest income on loans | $7.8M |
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 | $340.0M | $321.2M | 15.24% | 7.52% | 14.98% |
| Q4 2023 | $352.4M | $319.8M | 15.67% | 6.95% | 15.10% |
| Q1 2024 | $354.0M | $379.4M | 16.44% | 7.54% | 12.32% |
| Q2 2024 | $361.1M | $366.9M | 16.27% | 7.50% | 12.47% |
| Q3 2024 | $368.7M | $352.6M | 16.84% | 7.46% | 12.66% |
| Q4 2024 | $379.4M | $356.3M | 17.28% | 7.20% | 12.43% |
| Q1 2025 | $366.9M | $381.7M | 17.76% | 7.50% | 12.02% |
| Q2 2025 | $373.2M | $362.3M | 17.84% | 6.78% | 12.36% |
| Q3 2025 | $389.9M | $344.1M | 16.94% | 7.84% | 12.73% |
| Q4 2025 | $396.0M | $358.3M | 15.19% | 8.94% | 12.78% |
| Q1 2026 | $384.7M | $400.0M | 15.85% | 9.44% | 11.83% |
| Q2 2026 | $529.9M | $649.6M | 18.03% | 9.38% | 8.90% |
Midwest Heritage Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Heritage Bank, FSB, 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 Midwest Heritage Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4432) · FFIEC NIC profile (RSSD 203043)