Pocahontas State 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: 7.56 percentage points higher than in Q1 2026, at 53.83%. Within Iowa, Pocahontas State Bank is 202nd of 225 on loan-to-deposit ratio, 53.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pocahontas State Bank sits 27.01 points lower, at 53.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.7M |
| Net loans and leases | $43.7M |
| Loans held for sale | $0 |
| Loans to total assets | 36.47% |
| Loan-to-deposit ratio | 53.83% |
| Net loans to equity capital | 1.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.94% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.70% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 23.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.80% |
| Construction concentration (Tier 1 capital + allowance) | 2.99% |
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 | $641K |
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 | $34.6M | $86.3M | 7.57% | 13.12% | 1.64% |
| Q4 2023 | $33.9M | $78.4M | 7.05% | 6.99% | 1.45% |
| Q1 2024 | $34.9M | $85.4M | 8.44% | 11.44% | 1.23% |
| Q2 2024 | $35.1M | $79.6M | 8.33% | 13.46% | 2.37% |
| Q3 2024 | $36.7M | $90.7M | 8.01% | 11.55% | 2.09% |
| Q4 2024 | $37.5M | $87.4M | 7.39% | 11.40% | 2.23% |
| Q1 2025 | $35.7M | $90.2M | 9.74% | 5.65% | 1.12% |
| Q2 2025 | $36.6M | $82.0M | 5.44% | 5.80% | 1.29% |
| Q3 2025 | $38.5M | $90.9M | 5.63% | 5.53% | 1.88% |
| Q4 2025 | $41.1M | $85.9M | 5.57% | 4.54% | 1.87% |
| Q1 2026 | $42.9M | $92.7M | 5.16% | 5.98% | 1.48% |
| Q2 2026 | $44.7M | $83.1M | 4.94% | 9.70% | 1.57% |
Pocahontas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pocahontas State 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 Pocahontas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 234) · FFIEC NIC profile (RSSD 402846)