Ohnward Bank & Trust: 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.
Construction concentration (tier 1 capital + allowance) dropped 10.81 percentage points in Q2 2026, from 54.99% to 44.18%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Ohnward Bank & Trust is 55th of 225 on loan-to-deposit ratio, 93.96% as of Q2 2026, above the middle of the field. Ohnward Bank & Trust reported 93.96% on loan-to-deposit ratio for Q2 2026, 13.12 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $392.4M |
| Net loans and leases | $388.1M |
| Loans held for sale | $841K |
| Loans to total assets | 78.62% |
| Loan-to-deposit ratio | 93.96% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.55% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 13.95% |
| Consumer | 2.06% |
| Credit cards | 0.00% |
| Farm | 13.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.16% |
| Construction concentration (Tier 1 capital + allowance) | 44.18% |
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 | $6.6M |
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 | $300.2M | $315.1M | 20.37% | 18.43% | 1.90% |
| Q4 2023 | $313.4M | $329.1M | 19.05% | 17.43% | 1.84% |
| Q1 2024 | $314.3M | $344.6M | 18.16% | 17.57% | 1.80% |
| Q2 2024 | $322.8M | $339.1M | 17.84% | 17.83% | 1.78% |
| Q3 2024 | $325.5M | $365.9M | 17.71% | 15.53% | 1.85% |
| Q4 2024 | $337.2M | $367.6M | 16.67% | 15.02% | 1.73% |
| Q1 2025 | $342.4M | $385.5M | 16.23% | 16.25% | 1.76% |
| Q2 2025 | $350.3M | $380.4M | 16.57% | 16.91% | 1.71% |
| Q3 2025 | $356.1M | $399.4M | 16.14% | 15.45% | 1.83% |
| Q4 2025 | $367.8M | $403.8M | 15.31% | 15.67% | 1.81% |
| Q1 2026 | $380.8M | $408.8M | 16.68% | 15.51% | 2.28% |
| Q2 2026 | $392.4M | $417.6M | 19.55% | 13.95% | 2.06% |
Ohnward Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ohnward Bank & Trust, 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 Ohnward Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10111) · FFIEC NIC profile (RSSD 761543)