Shelby County 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 Loan-to-deposit ratio: 1.15 percentage points higher than in Q1 2026, at 75.84%. Within Iowa, Shelby County State Bank is 142nd of 225 on loan-to-deposit ratio, 75.84% as of Q2 2026, below the middle of the field. Shelby County State Bank reported 75.84% on loan-to-deposit ratio for Q2 2026, 5.00 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $351.1M |
| Net loans and leases | $346.6M |
| Loans held for sale | $121K |
| Loans to total assets | 67.06% |
| Loan-to-deposit ratio | 75.84% |
| Net loans to equity capital | 5.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.26% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.48% |
| Consumer | 3.43% |
| Credit cards | 0.00% |
| Farm | 26.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.02% |
| Construction concentration (Tier 1 capital + allowance) | 6.63% |
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 | 6.00% |
| Interest income on loans | $5.3M |
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 | $337.6M | $477.6M | 9.01% | 7.69% | 3.38% |
| Q4 2023 | $354.1M | $472.1M | 8.61% | 7.69% | 3.26% |
| Q1 2024 | $358.9M | $494.3M | 8.88% | 8.05% | 3.20% |
| Q2 2024 | $358.9M | $495.8M | 9.07% | 8.66% | 3.34% |
| Q3 2024 | $354.7M | $505.5M | 9.34% | 8.34% | 3.49% |
| Q4 2024 | $363.9M | $480.1M | 9.22% | 7.50% | 3.27% |
| Q1 2025 | $365.3M | $483.1M | 10.37% | 7.80% | 3.25% |
| Q2 2025 | $372.1M | $460.2M | 10.54% | 7.78% | 3.31% |
| Q3 2025 | $369.3M | $476.3M | 10.64% | 8.09% | 3.49% |
| Q4 2025 | $372.5M | $468.9M | 10.66% | 7.93% | 3.30% |
| Q1 2026 | $358.5M | $479.9M | 10.96% | 7.15% | 3.36% |
| Q2 2026 | $351.1M | $462.9M | 11.26% | 7.48% | 3.43% |
Shelby County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby County 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 Shelby County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1553) · FFIEC NIC profile (RSSD 536349)