State Bank & Trust Co.: 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): 14.42 percentage points lower than in Q1 2026, at 63.91%. State Bank & Trust Co. ranks 196th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 59.11% (Q2 2026). State Bank & Trust Co. reported 59.11% on loan-to-deposit ratio for Q2 2026, 21.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $103.0M |
| Net loans and leases | $101.6M |
| Loans held for sale | $336K |
| Loans to total assets | 52.15% |
| Loan-to-deposit ratio | 59.11% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.72% |
| Multifamily (5+ residential) | 1.12% |
| Commercial and industrial | 10.29% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 9.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.91% |
| Construction concentration (Tier 1 capital + allowance) | 18.24% |
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 | — |
| Interest income on loans | $1.5M |
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 | $101.8M | $181.6M | 37.23% | 6.82% | 0.83% |
| Q4 2023 | $106.3M | $173.1M | 37.66% | 7.10% | 0.78% |
| Q1 2024 | $107.7M | $179.6M | 36.63% | 7.60% | 0.73% |
| Q2 2024 | $108.5M | $172.9M | 35.88% | 8.22% | 0.71% |
| Q3 2024 | $111.2M | $175.5M | 33.61% | 9.84% | 0.67% |
| Q4 2024 | $111.2M | $162.9M | 34.69% | 8.98% | 0.66% |
| Q1 2025 | $115.2M | $168.3M | 34.51% | 12.29% | 0.57% |
| Q2 2025 | $115.4M | $171.8M | 33.20% | 13.38% | 0.52% |
| Q3 2025 | $111.9M | $169.2M | 33.74% | 11.92% | 0.50% |
| Q4 2025 | $110.3M | $170.9M | 33.80% | 10.56% | 0.47% |
| Q1 2026 | $107.3M | $174.6M | 34.34% | 9.67% | 0.44% |
| Q2 2026 | $103.0M | $174.3M | 30.72% | 10.29% | 0.43% |
State Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15651) · FFIEC NIC profile (RSSD 229342)