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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.78 percentage points higher than in Q1 2026, at 95.11%. Within Iowa, Savings Bank is 47th of 225 on loan-to-deposit ratio, 95.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Savings Bank sits 14.27 points higher, at 95.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $230.3M |
| Net loans and leases | $227.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.55% |
| Loan-to-deposit ratio | 95.11% |
| Net loans to equity capital | 5.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.97% |
| Consumer | 1.73% |
| Credit cards | 0.00% |
| Farm | 26.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.52% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $3.9M |
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 | $194.7M | $227.5M | 10.36% | 17.79% | 2.20% |
| Q4 2023 | $199.2M | $225.6M | 9.95% | 17.03% | 2.12% |
| Q1 2024 | $203.0M | $233.3M | 9.61% | 16.69% | 2.09% |
| Q2 2024 | $202.3M | $229.9M | 10.33% | 17.55% | 2.01% |
| Q3 2024 | $208.3M | $240.4M | 10.58% | 16.90% | 2.05% |
| Q4 2024 | $206.9M | $244.2M | 10.71% | 15.84% | 1.89% |
| Q1 2025 | $216.8M | $241.0M | 10.47% | 15.06% | 1.77% |
| Q2 2025 | $218.2M | $240.9M | 9.83% | 16.17% | 1.76% |
| Q3 2025 | $225.5M | $249.3M | 9.56% | 17.15% | 1.85% |
| Q4 2025 | $222.1M | $251.8M | 9.41% | 14.93% | 1.78% |
| Q1 2026 | $225.1M | $246.5M | 9.14% | 15.50% | 1.81% |
| Q2 2026 | $230.3M | $242.1M | 9.21% | 16.97% | 1.73% |
Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13735) · FFIEC NIC profile (RSSD 588348)