State Bank of Schaller: 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.
Farm fell 0.52 percentage points from Q1 2026 to Q2 2026, ending at 22.20% against 22.71%. It was the largest change among the key lines on this page. State Bank of Schaller has the 3rd lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 28.86% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, State Bank of Schaller reported 28.86% on loan-to-deposit ratio in Q2 2026, 39.07 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $10.1M |
| Net loans and leases | $9.9M |
| Loans held for sale | $0 |
| Loans to total assets | 24.82% |
| Loan-to-deposit ratio | 28.86% |
| Net loans to equity capital | 1.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.84% |
| Consumer | 8.74% |
| Credit cards | 0.00% |
| Farm | 22.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.46% |
| Construction concentration (Tier 1 capital + allowance) | 4.46% |
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 | 7.57% |
| Interest income on loans | $192K |
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 | $11.4M | $36.6M | 0.00% | 8.50% | 8.40% |
| Q4 2023 | $12.3M | $35.9M | 0.00% | 9.69% | 6.86% |
| Q1 2024 | $12.6M | $34.0M | 0.00% | 10.47% | 6.93% |
| Q2 2024 | $12.0M | $35.8M | 0.00% | 9.56% | 6.41% |
| Q3 2024 | $11.2M | $37.2M | 0.00% | 10.03% | 6.61% |
| Q4 2024 | $11.2M | $36.7M | 0.00% | 10.09% | 6.45% |
| Q1 2025 | $11.0M | $36.1M | 0.00% | 9.52% | 6.17% |
| Q2 2025 | $10.4M | $34.0M | 0.00% | 5.22% | 6.81% |
| Q3 2025 | $9.7M | $32.8M | 0.00% | 5.45% | 7.65% |
| Q4 2025 | $10.5M | $34.3M | 0.00% | 6.52% | 8.96% |
| Q1 2026 | $9.9M | $34.2M | 0.00% | 5.89% | 9.02% |
| Q2 2026 | $10.1M | $34.9M | 0.00% | 5.84% | 8.74% |
State Bank of Schaller loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Schaller, 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 of Schaller profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13931) · FFIEC NIC profile (RSSD 534242)