Sanborn 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.
Loan-to-deposit ratio climbed 3.96 percentage points in Q2 2026, from 97.18% to 101.14%. It was the largest change from Q1 2026 among the key lines here. Sanborn Savings Bank ranks 31st of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 101.14% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Sanborn Savings Bank sits 33.22 points higher, at 101.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.4M |
| Net loans and leases | $66.5M |
| Loans held for sale | $0 |
| Loans to total assets | 72.67% |
| Loan-to-deposit ratio | 101.14% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.36% |
| Multifamily (5+ residential) | 0.34% |
| Commercial and industrial | 3.81% |
| Consumer | 3.75% |
| Credit cards | 0.00% |
| Farm | 23.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.46% |
| Construction concentration (Tier 1 capital + allowance) | 20.13% |
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 | 6.09% |
| Interest income on loans | $998K |
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 | $55.0M | $63.0M | 3.49% | 4.95% | 4.99% |
| Q4 2023 | $57.4M | $64.2M | 3.36% | 5.04% | 4.97% |
| Q1 2024 | $57.4M | $66.5M | 3.67% | 5.48% | 5.11% |
| Q2 2024 | $59.3M | $63.7M | 3.71% | 3.64% | 5.09% |
| Q3 2024 | $58.3M | $66.0M | 6.17% | 3.49% | 4.95% |
| Q4 2024 | $61.3M | $68.0M | 5.57% | 3.30% | 4.56% |
| Q1 2025 | $62.6M | $67.8M | 5.39% | 4.07% | 4.31% |
| Q2 2025 | $62.4M | $65.1M | 5.35% | 3.99% | 4.58% |
| Q3 2025 | $65.8M | $66.2M | 4.99% | 3.58% | 4.01% |
| Q4 2025 | $65.4M | $68.5M | 4.83% | 3.38% | 3.91% |
| Q1 2026 | $63.8M | $65.7M | 5.75% | 3.84% | 4.66% |
| Q2 2026 | $67.4M | $66.6M | 5.36% | 3.81% | 3.75% |
Sanborn Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanborn 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 Sanborn Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11352) · FFIEC NIC profile (RSSD 595944)