South Ottumwa 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.
Construction concentration (tier 1 capital + allowance) dropped 9.42 percentage points in Q2 2026, from 14.75% to 5.32%. It was the largest change from Q1 2026 among the key lines here. South Ottumwa Savings Bank ranks 171st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 68.45% (Q2 2026). South Ottumwa Savings Bank reported 68.45% on loan-to-deposit ratio for Q2 2026, 12.39 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $324.4M |
| Net loans and leases | $320.9M |
| Loans held for sale | $0 |
| Loans to total assets | 57.37% |
| Loan-to-deposit ratio | 68.45% |
| Net loans to equity capital | 4.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.22% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 10.38% |
| Consumer | 2.64% |
| Credit cards | 0.00% |
| Farm | 8.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.20% |
| Construction concentration (Tier 1 capital + allowance) | 5.32% |
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 | $4.9M |
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 | $302.7M | $454.0M | 24.40% | 11.00% | 3.35% |
| Q4 2023 | $309.3M | $461.9M | 24.12% | 10.72% | 3.26% |
| Q1 2024 | $318.7M | $463.2M | 23.13% | 12.26% | 3.17% |
| Q2 2024 | $319.4M | $443.9M | 22.45% | 12.28% | 3.19% |
| Q3 2024 | $322.7M | $451.2M | 22.37% | 12.26% | 3.09% |
| Q4 2024 | $324.5M | $460.3M | 22.02% | 12.25% | 2.98% |
| Q1 2025 | $322.3M | $464.7M | 21.78% | 10.74% | 2.79% |
| Q2 2025 | $324.3M | $440.8M | 21.42% | 10.84% | 2.88% |
| Q3 2025 | $327.0M | $424.4M | 21.22% | 10.03% | 2.75% |
| Q4 2025 | $323.2M | $429.5M | 20.97% | 9.85% | 2.67% |
| Q1 2026 | $327.2M | $445.7M | 21.65% | 9.80% | 2.64% |
| Q2 2026 | $324.4M | $473.9M | 23.22% | 10.38% | 2.64% |
South Ottumwa Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Ottumwa 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 South Ottumwa Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9099) · FFIEC NIC profile (RSSD 75446)