State Central 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): 17.46 percentage points higher than in Q1 2026, at 53.71%. Within Iowa, State Central Bank is 151st of 225 on loan-to-deposit ratio, 73.14% as of Q2 2026. State Central Bank reported 73.14% on loan-to-deposit ratio for Q2 2026, 5.82 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.0M |
| Net loans and leases | $36.3M |
| Loans held for sale | $0 |
| Loans to total assets | 58.51% |
| Loan-to-deposit ratio | 73.14% |
| Net loans to equity capital | 3.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.41% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 23.56% |
| Consumer | 16.38% |
| Credit cards | 0.00% |
| Farm | 1.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.71% |
| Construction concentration (Tier 1 capital + allowance) | 18.77% |
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 | 8.26% |
| Interest income on loans | $759K |
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 | $14.9M | $41.8M | 2.38% | 35.64% | 8.71% |
| Q4 2023 | $15.4M | $44.1M | 2.98% | 34.19% | 10.48% |
| Q1 2024 | $15.4M | $45.4M | 3.46% | 30.40% | 12.53% |
| Q2 2024 | $17.3M | $44.4M | 4.27% | 28.45% | 13.52% |
| Q3 2024 | $19.7M | $40.5M | 3.21% | 26.06% | 16.92% |
| Q4 2024 | $21.7M | $44.3M | 6.28% | 25.85% | 15.17% |
| Q1 2025 | $23.1M | $51.8M | 5.61% | 23.98% | 16.58% |
| Q2 2025 | $26.3M | $47.6M | 4.92% | 26.54% | 17.19% |
| Q3 2025 | $29.3M | $50.2M | 8.33% | 24.50% | 17.40% |
| Q4 2025 | $33.1M | $50.3M | 9.11% | 24.37% | 17.67% |
| Q1 2026 | $35.2M | $47.9M | 12.35% | 20.37% | 17.64% |
| Q2 2026 | $37.0M | $50.6M | 15.41% | 23.56% | 16.38% |
State Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5820) · FFIEC NIC profile (RSSD 808345)