The State Bank of Toledo: 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 CRE concentration (Tier 1 capital + allowance): 6.43 percentage points lower than in Q1 2026, at 45.05%. The State Bank of Toledo ranks 63rd of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 91.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The State Bank of Toledo sits 10.78 points higher, at 91.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.1M |
| Net loans and leases | $108.0M |
| Loans held for sale | $0 |
| Loans to total assets | 81.79% |
| Loan-to-deposit ratio | 91.61% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.36% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 4.77% |
| Consumer | 3.33% |
| Credit cards | 0.27% |
| Farm | 35.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.05% |
| Construction concentration (Tier 1 capital + allowance) | 5.24% |
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 | 6.38% |
| Interest income on loans | $1.8M |
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 | $101.3M | $103.7M | 12.98% | 4.77% | 6.08% |
| Q4 2023 | $107.2M | $112.6M | 14.35% | 5.29% | 5.96% |
| Q1 2024 | $110.2M | $114.3M | 13.77% | 4.90% | 5.52% |
| Q2 2024 | $108.2M | $120.8M | 14.01% | 4.86% | 5.53% |
| Q3 2024 | $108.0M | $114.9M | 14.81% | 5.01% | 5.42% |
| Q4 2024 | $106.0M | $120.5M | 15.56% | 5.83% | 5.29% |
| Q1 2025 | $110.8M | $116.5M | 14.84% | 5.64% | 4.63% |
| Q2 2025 | $113.6M | $119.4M | 14.95% | 5.31% | 4.63% |
| Q3 2025 | $110.8M | $119.5M | 15.29% | 6.56% | 4.15% |
| Q4 2025 | $112.4M | $124.3M | 14.22% | 5.00% | 3.40% |
| Q1 2026 | $111.3M | $130.3M | 13.29% | 5.39% | 3.53% |
| Q2 2026 | $110.1M | $120.2M | 12.36% | 4.77% | 3.33% |
The State Bank of Toledo loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4514) · FFIEC NIC profile (RSSD 490348)