Sibley 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: 3.97 percentage points higher than in Q1 2026, at 72.95%. Sibley State Bank ranks 152nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 72.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sibley State Bank sits 7.89 points lower, at 72.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.7M |
| Net loans and leases | $66.0M |
| Loans held for sale | $0 |
| Loans to total assets | 63.93% |
| Loan-to-deposit ratio | 72.95% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.62% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.82% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 22.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 5.78% |
| Interest income on loans | $964K |
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 | $65.0M | $91.0M | 1.33% | 3.04% | 1.44% |
| Q4 2023 | $66.7M | $89.7M | 1.22% | 3.05% | 1.33% |
| Q1 2024 | $68.0M | $92.7M | 0.91% | 2.77% | 0.91% |
| Q2 2024 | $64.8M | $91.5M | 0.90% | 3.08% | 1.02% |
| Q3 2024 | $69.0M | $93.0M | 0.73% | 3.20% | 1.37% |
| Q4 2024 | $67.5M | $88.8M | 0.69% | 2.81% | 1.09% |
| Q1 2025 | $70.5M | $92.8M | 0.61% | 2.67% | 1.09% |
| Q2 2025 | $67.0M | $89.2M | 0.62% | 2.84% | 1.22% |
| Q3 2025 | $68.2M | $91.0M | 0.62% | 2.45% | 1.08% |
| Q4 2025 | $69.5M | $89.7M | 0.61% | 1.67% | 1.05% |
| Q1 2026 | $66.6M | $96.6M | 0.65% | 1.70% | 1.07% |
| Q2 2026 | $66.7M | $91.5M | 0.62% | 1.82% | 0.93% |
Sibley State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sibley 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 Sibley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11764) · FFIEC NIC profile (RSSD 598543)