Pilot Grove Savings 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.
Construction concentration (tier 1 capital + allowance) climbed 1.63 percentage points in Q2 2026, from 9.64% to 11.27%. It was the largest change from Q1 2026 among the key lines here. Pilot Grove Savings Bank ranks 108th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 83.81% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pilot Grove Savings Bank sits 4.39 points lower, at 83.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $907.1M |
| Net loans and leases | $898.1M |
| Loans held for sale | $0 |
| Loans to total assets | 74.15% |
| Loan-to-deposit ratio | 83.81% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.43% |
| Multifamily (5+ residential) | 0.42% |
| Commercial and industrial | 9.53% |
| Consumer | 3.11% |
| Credit cards | 0.09% |
| Farm | 27.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.45% |
| Construction concentration (Tier 1 capital + allowance) | 11.27% |
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 | $13.8M |
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 | $654.0M | $747.6M | 4.92% | 9.22% | 4.60% |
| Q4 2023 | $668.6M | $751.4M | 4.83% | 9.08% | 4.50% |
| Q1 2024 | $684.3M | $756.9M | 4.65% | 10.10% | 4.32% |
| Q2 2024 | $701.8M | $762.7M | 4.87% | 9.98% | 4.17% |
| Q3 2024 | $768.4M | $909.6M | 5.43% | 10.27% | 4.12% |
| Q4 2024 | $783.1M | $915.8M | 5.47% | 10.12% | 4.01% |
| Q1 2025 | $799.0M | $942.6M | 5.42% | 10.53% | 3.81% |
| Q2 2025 | $812.6M | $950.3M | 5.18% | 10.03% | 3.84% |
| Q3 2025 | $841.5M | $979.2M | 5.47% | 9.70% | 3.64% |
| Q4 2025 | $862.8M | $1.01B | 5.32% | 9.55% | 3.44% |
| Q1 2026 | $881.2M | $1.05B | 5.53% | 9.42% | 3.25% |
| Q2 2026 | $907.1M | $1.08B | 5.43% | 9.53% | 3.11% |
Pilot Grove Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilot Grove Savings 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 Pilot Grove Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9100) · FFIEC NIC profile (RSSD 585749)