NSB 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 CRE concentration (Tier 1 capital + allowance): 1.78 percentage points lower than in Q1 2026, at 50.59%. NSB Bank ranks 112th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 83.30% (Q2 2026). NSB Bank reported 83.30% on loan-to-deposit ratio for Q2 2026, 2.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $333.7M |
| Net loans and leases | $329.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.42% |
| Loan-to-deposit ratio | 83.30% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.09% |
| Multifamily (5+ residential) | 0.26% |
| Commercial and industrial | 18.13% |
| Consumer | 1.48% |
| Credit cards | 0.31% |
| Farm | 19.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.59% |
| 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 | — |
| Interest income on loans | $5.0M |
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 | $290.7M | $380.0M | 36.43% | 17.94% | 1.97% |
| Q4 2023 | $307.9M | $376.4M | 35.78% | 19.55% | 1.53% |
| Q1 2024 | $308.3M | $383.1M | 34.32% | 21.36% | 1.54% |
| Q2 2024 | $321.6M | $380.6M | 34.85% | 21.68% | 1.53% |
| Q3 2024 | $328.8M | $402.2M | 34.74% | 21.19% | 1.60% |
| Q4 2024 | $333.6M | $396.0M | 31.68% | 22.25% | 1.53% |
| Q1 2025 | $330.5M | $405.2M | 34.14% | 19.03% | 1.93% |
| Q2 2025 | $337.7M | $405.3M | 32.08% | 20.14% | 1.96% |
| Q3 2025 | $332.5M | $401.7M | 31.89% | 17.41% | 1.95% |
| Q4 2025 | $344.6M | $400.2M | 31.89% | 16.49% | 1.64% |
| Q1 2026 | $339.6M | $415.0M | 31.32% | 16.63% | 1.80% |
| Q2 2026 | $333.7M | $400.6M | 32.09% | 18.13% | 1.48% |
NSB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock NSB 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 NSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8094) · FFIEC NIC profile (RSSD 253646)