Security State 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 CRE concentration (Tier 1 capital + allowance): 2.16 percentage points lower than in Q1 2026, at 21.22%. Among 225 Iowa banks, Security State Bank sits 2nd from the top on loan-to-deposit ratio, 133.56% as of Q2 2026. Security State Bank's loan-to-deposit ratio of 133.56% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 53.00 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $450.5M |
| Net loans and leases | $445.3M |
| Loans held for sale | $0 |
| Loans to total assets | 91.51% |
| Loan-to-deposit ratio | 133.56% |
| Net loans to equity capital | 8.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.45% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 15.19% |
| Consumer | 2.51% |
| Credit cards | 0.00% |
| Farm | 30.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.22% |
| 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 | 6.77% |
| Interest income on loans | $7.6M |
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 | $320.0M | $273.4M | 6.19% | 14.45% | 3.85% |
| Q4 2023 | $341.0M | $300.3M | 5.82% | 14.85% | 3.65% |
| Q1 2024 | $359.5M | $305.2M | 5.81% | 15.47% | 3.41% |
| Q2 2024 | $366.9M | $290.4M | 5.78% | 15.64% | 3.41% |
| Q3 2024 | $381.8M | $282.3M | 5.52% | 16.52% | 3.23% |
| Q4 2024 | $395.1M | $302.5M | 5.42% | 15.89% | 3.11% |
| Q1 2025 | $416.8M | $312.0M | 5.33% | 14.67% | 2.84% |
| Q2 2025 | $423.0M | $307.7M | 5.21% | 14.82% | 2.77% |
| Q3 2025 | $417.8M | $303.1M | 5.22% | 14.88% | 2.83% |
| Q4 2025 | $437.4M | $330.7M | 5.13% | 15.21% | 2.78% |
| Q1 2026 | $444.3M | $337.2M | 4.60% | 13.98% | 2.55% |
| Q2 2026 | $450.5M | $337.3M | 4.45% | 15.19% | 2.51% |
Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 235) · FFIEC NIC profile (RSSD 425845)