Northeast Security 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 Loan-to-deposit ratio: 5.35 percentage points lower than in Q1 2026, at 71.72%. Within Iowa, Northeast Security Bank is 156th of 225 on loan-to-deposit ratio, 71.72% as of Q2 2026, below the middle of the field. Northeast Security Bank reported 71.72% on loan-to-deposit ratio for Q2 2026, 9.11 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $271.9M |
| Net loans and leases | $267.9M |
| Loans held for sale | $194K |
| Loans to total assets | 58.86% |
| Loan-to-deposit ratio | 71.72% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.33% |
| Multifamily (5+ residential) | 3.16% |
| Commercial and industrial | 10.64% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 28.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.85% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.89% |
| Interest income on loans | $4.0M |
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 | $228.4M | $356.8M | 9.11% | 9.75% | 1.00% |
| Q4 2023 | $243.4M | $374.0M | 8.87% | 8.21% | 0.90% |
| Q1 2024 | $244.4M | $352.9M | 9.02% | 8.25% | 0.83% |
| Q2 2024 | $248.5M | $362.2M | 9.83% | 8.43% | 0.80% |
| Q3 2024 | $253.4M | $339.5M | 10.27% | 7.87% | 0.81% |
| Q4 2024 | $258.4M | $352.6M | 10.50% | 7.64% | 0.73% |
| Q1 2025 | $261.1M | $346.8M | 9.66% | 7.60% | 0.58% |
| Q2 2025 | $263.4M | $343.1M | 10.37% | 8.24% | 0.53% |
| Q3 2025 | $265.9M | $341.2M | 10.65% | 7.54% | 0.49% |
| Q4 2025 | $271.3M | $358.8M | 11.01% | 6.76% | 0.46% |
| Q1 2026 | $272.8M | $353.9M | 10.36% | 7.88% | 0.41% |
| Q2 2026 | $271.9M | $379.1M | 10.33% | 10.64% | 0.37% |
Northeast Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Security 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 Northeast Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18384) · FFIEC NIC profile (RSSD 442244)