The Readlyn 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.
Commercial and industrial dropped 1.98 percentage points in Q2 2026, from 15.92% to 13.94%. It was the largest change from Q1 2026 among the key lines here. The Readlyn Savings Bank ranks 93rd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 86.11% (Q2 2026). The Readlyn Savings Bank reported 86.11% on loan-to-deposit ratio for Q2 2026, 5.16 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.1M |
| Net loans and leases | $94.7M |
| Loans held for sale | $0 |
| Loans to total assets | 64.79% |
| Loan-to-deposit ratio | 86.11% |
| Net loans to equity capital | 3.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.04% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.94% |
| Consumer | 2.76% |
| Credit cards | 0.00% |
| Farm | 19.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.17% |
| Construction concentration (Tier 1 capital + allowance) | 0.05% |
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 | 5.91% |
| Interest income on loans | $1.4M |
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 | $100.8M | $96.2M | 0.06% | 14.35% | 2.28% |
| Q4 2023 | $106.0M | $97.2M | 0.02% | 15.20% | 2.17% |
| Q1 2024 | $107.2M | $99.2M | 0.01% | 15.78% | 2.17% |
| Q2 2024 | $105.8M | $102.5M | 0.01% | 15.18% | 2.19% |
| Q3 2024 | $105.1M | $101.1M | 0.01% | 15.50% | 2.12% |
| Q4 2024 | $105.2M | $105.5M | 0.01% | 15.19% | 2.52% |
| Q1 2025 | $107.1M | $109.2M | 0.01% | 14.98% | 2.39% |
| Q2 2025 | $104.5M | $108.0M | 0.01% | 15.57% | 2.51% |
| Q3 2025 | $99.7M | $107.7M | 0.01% | 14.67% | 3.13% |
| Q4 2025 | $97.2M | $111.7M | 0.01% | 15.22% | 3.08% |
| Q1 2026 | $99.5M | $113.8M | 0.01% | 15.92% | 2.79% |
| Q2 2026 | $96.1M | $111.6M | 0.04% | 13.94% | 2.76% |
The Readlyn Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Readlyn 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 The Readlyn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9300) · FFIEC NIC profile (RSSD 287342)