The 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 CRE concentration (Tier 1 capital + allowance): 11.54 percentage points higher than in Q1 2026, at 58.40%. On loan-to-deposit ratio, The State Bank is 23rd from the bottom among 225 Iowa banks, 53.67% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. The State Bank sits 13.65 points lower, at 53.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.1M |
| Net loans and leases | $41.8M |
| Loans held for sale | $0 |
| Loans to total assets | 48.76% |
| Loan-to-deposit ratio | 53.67% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.04% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.71% |
| Consumer | 5.19% |
| Credit cards | 0.00% |
| Farm | 12.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.40% |
| Construction concentration (Tier 1 capital + allowance) | 34.28% |
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 | 6.02% |
| Interest income on loans | $641K |
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 | $44.4M | $77.7M | 21.31% | 9.20% | 2.10% |
| Q4 2023 | $46.2M | $76.6M | 20.57% | 8.28% | 2.04% |
| Q1 2024 | $45.8M | $74.6M | 20.34% | 10.18% | 2.30% |
| Q2 2024 | $44.8M | $75.8M | 20.76% | 12.18% | 2.44% |
| Q3 2024 | $45.5M | $75.2M | 20.31% | 10.94% | 2.44% |
| Q4 2024 | $44.3M | $76.4M | 19.92% | 10.78% | 2.58% |
| Q1 2025 | $43.9M | $78.6M | 18.66% | 11.97% | 5.33% |
| Q2 2025 | $45.8M | $79.2M | 17.75% | 12.96% | 4.17% |
| Q3 2025 | $42.7M | $81.6M | 17.30% | 11.21% | 3.48% |
| Q4 2025 | $44.1M | $81.1M | 16.80% | 11.87% | 4.46% |
| Q1 2026 | $42.4M | $83.7M | 16.45% | 11.83% | 4.95% |
| Q2 2026 | $43.1M | $80.3M | 18.04% | 11.71% | 5.19% |
The State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13715) · FFIEC NIC profile (RSSD 550448)