Raccoon Valley 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.
Cre concentration (tier 1 capital + allowance) dropped 10.40 percentage points in Q2 2026, from 346.55% to 336.15%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Raccoon Valley Bank is 82nd of 225 on loan-to-deposit ratio, 88.87% as of Q2 2026, above the middle of the field. Raccoon Valley Bank reported 88.87% on loan-to-deposit ratio for Q2 2026, 8.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $382.3M |
| Net loans and leases | $376.7M |
| Loans held for sale | $0 |
| Loans to total assets | 78.66% |
| Loan-to-deposit ratio | 88.87% |
| Net loans to equity capital | 8.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.79% |
| Multifamily (5+ residential) | 9.54% |
| Commercial and industrial | 13.19% |
| Consumer | 0.17% |
| Credit cards | 0.00% |
| Farm | 7.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 336.15% |
| Construction concentration (Tier 1 capital + allowance) | 146.51% |
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 | $6.0M |
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 | $342.2M | $398.3M | 27.32% | 13.94% | 0.32% |
| Q4 2023 | $353.7M | $404.9M | 26.27% | 13.66% | 0.32% |
| Q1 2024 | $341.7M | $415.7M | 25.76% | 13.35% | 0.29% |
| Q2 2024 | $350.1M | $398.6M | 25.85% | 14.65% | 0.26% |
| Q3 2024 | $353.7M | $401.7M | 25.40% | 14.14% | 0.24% |
| Q4 2024 | $338.8M | $404.6M | 22.44% | 14.47% | 0.24% |
| Q1 2025 | $337.1M | $422.2M | 22.51% | 13.79% | 0.23% |
| Q2 2025 | $340.4M | $408.9M | 23.59% | 15.22% | 0.22% |
| Q3 2025 | $364.2M | $417.7M | 23.92% | 14.49% | 0.19% |
| Q4 2025 | $372.8M | $416.8M | 22.57% | 14.20% | 0.17% |
| Q1 2026 | $377.1M | $435.4M | 23.50% | 13.04% | 0.17% |
| Q2 2026 | $382.3M | $430.2M | 23.79% | 13.19% | 0.17% |
Raccoon Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Raccoon Valley 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 Raccoon Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 245) · FFIEC NIC profile (RSSD 102342)