Primebank: 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.
CRE concentration (Tier 1 capital + allowance) dropped 1.81 percentage points in Q2 2026, from 88.77% to 86.96%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Primebank ranks 17th highest among the 225 banks headquartered in Iowa, at 105.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Primebank sits 24.88 points higher, at 105.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $730.2M |
| Net loans and leases | $723.0M |
| Loans held for sale | $2.3M |
| Loans to total assets | 91.21% |
| Loan-to-deposit ratio | 105.44% |
| Net loans to equity capital | 8.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.80% |
| Multifamily (5+ residential) | 3.42% |
| Commercial and industrial | 11.33% |
| Consumer | 1.07% |
| Credit cards | 0.15% |
| Farm | 20.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.96% |
| Construction concentration (Tier 1 capital + allowance) | 26.85% |
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 | 6.39% |
| Interest income on loans | $11.6M |
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 | $612.3M | $586.3M | 17.27% | 13.11% | 1.39% |
| Q4 2023 | $641.8M | $608.1M | 17.07% | 12.52% | 1.33% |
| Q1 2024 | $641.0M | $623.4M | 17.13% | 12.78% | 1.35% |
| Q2 2024 | $636.0M | $617.0M | 17.50% | 12.49% | 1.29% |
| Q3 2024 | $646.4M | $626.6M | 17.35% | 12.49% | 1.31% |
| Q4 2024 | $662.5M | $642.9M | 16.98% | 11.95% | 1.23% |
| Q1 2025 | $661.4M | $672.3M | 17.29% | 12.28% | 1.17% |
| Q2 2025 | $662.8M | $662.3M | 17.65% | 12.60% | 1.22% |
| Q3 2025 | $679.1M | $681.9M | 17.93% | 11.77% | 1.18% |
| Q4 2025 | $710.3M | $682.0M | 17.95% | 11.08% | 1.19% |
| Q1 2026 | $720.1M | $693.1M | 18.04% | 11.18% | 1.11% |
| Q2 2026 | $730.2M | $692.5M | 17.80% | 11.33% | 1.07% |
Primebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Primebank, 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 Primebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8101) · FFIEC NIC profile (RSSD 671147)