Security Trust & 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 2.33 percentage points in Q2 2026, from 30.98% to 33.31%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Security Trust & Savings Bank is 6th from the bottom among 225 Iowa banks, 33.31% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Security Trust & Savings Bank reported 33.31% on loan-to-deposit ratio in Q2 2026, 47.53 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.7M |
| Net loans and leases | $78.4M |
| Loans held for sale | $0 |
| Loans to total assets | 29.93% |
| Loan-to-deposit ratio | 33.31% |
| Net loans to equity capital | 2.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.06% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 10.42% |
| Consumer | 2.35% |
| Credit cards | 0.00% |
| Farm | 27.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.26% |
| Construction concentration (Tier 1 capital + allowance) | 0.75% |
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 | 6.35% |
| Interest income on loans | $1.2M |
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 | $80.0M | $258.1M | 5.58% | 9.44% | 2.33% |
| Q4 2023 | $84.7M | $242.5M | 5.13% | 9.58% | 2.24% |
| Q1 2024 | $80.2M | $259.5M | 4.49% | 7.97% | 2.30% |
| Q2 2024 | $76.2M | $241.9M | 4.17% | 8.71% | 2.64% |
| Q3 2024 | $75.3M | $259.1M | 4.13% | 8.58% | 2.44% |
| Q4 2024 | $80.4M | $249.0M | 3.79% | 10.42% | 2.19% |
| Q1 2025 | $79.0M | $257.9M | 3.80% | 7.46% | 2.09% |
| Q2 2025 | $77.4M | $243.9M | 3.85% | 7.68% | 2.02% |
| Q3 2025 | $75.7M | $256.2M | 3.52% | 7.76% | 2.03% |
| Q4 2025 | $82.3M | $248.2M | 3.13% | 9.39% | 2.09% |
| Q1 2026 | $79.6M | $257.1M | 3.10% | 8.20% | 2.32% |
| Q2 2026 | $79.7M | $239.4M | 3.06% | 10.42% | 2.35% |
Security Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Trust & 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 Security Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 968) · FFIEC NIC profile (RSSD 363648)