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 Commercial and industrial: 2.87 percentage points lower than in Q1 2026, at 8.30%. Within Iowa, State Bank is 143rd of 225 on loan-to-deposit ratio, 75.61% as of Q2 2026. State Bank reported 75.61% on loan-to-deposit ratio for Q2 2026, 8.29 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.6M |
| Net loans and leases | $51.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.83% |
| Loan-to-deposit ratio | 75.61% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.24% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.30% |
| Consumer | 2.46% |
| Credit cards | 0.00% |
| Farm | 19.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.64% |
| Construction concentration (Tier 1 capital + allowance) | 7.83% |
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 | 6.34% |
| Interest income on loans | $802K |
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 | $49.1M | $68.7M | 11.80% | 10.27% | 3.50% |
| Q4 2023 | $48.5M | $67.2M | 11.31% | 10.14% | 3.57% |
| Q1 2024 | $47.5M | $66.2M | 10.41% | 10.65% | 3.28% |
| Q2 2024 | $47.8M | $67.7M | 10.10% | 9.48% | 3.17% |
| Q3 2024 | $48.6M | $69.1M | 8.27% | 9.88% | 2.91% |
| Q4 2024 | $49.0M | $70.8M | 7.87% | 10.14% | 2.94% |
| Q1 2025 | $47.2M | $69.8M | 8.90% | 8.14% | 2.76% |
| Q2 2025 | $50.7M | $68.3M | 8.24% | 7.61% | 2.75% |
| Q3 2025 | $49.3M | $66.9M | 8.34% | 10.18% | 2.92% |
| Q4 2025 | $49.7M | $67.1M | 7.56% | 11.21% | 2.74% |
| Q1 2026 | $50.1M | $68.9M | 8.54% | 11.17% | 2.55% |
| Q2 2026 | $51.6M | $68.2M | 8.24% | 8.30% | 2.46% |
State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16151) · FFIEC NIC profile (RSSD 651149)