State Savings 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 Loan-to-deposit ratio: 3.79 percentage points higher than in Q1 2026, at 102.24%. State Savings Bank ranks 26th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 102.24% (Q2 2026). State Savings Bank reported 102.24% on loan-to-deposit ratio for Q2 2026, 21.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $185.4M |
| Net loans and leases | $183.8M |
| Loans held for sale | $0 |
| Loans to total assets | 89.49% |
| Loan-to-deposit ratio | 102.24% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.68% |
| Multifamily (5+ residential) | 2.71% |
| Commercial and industrial | 8.16% |
| Consumer | 2.74% |
| Credit cards | 0.00% |
| Farm | 26.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.42% |
| Construction concentration (Tier 1 capital + allowance) | 10.25% |
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 | 6.49% |
| Interest income on loans | $3.0M |
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 | $156.0M | $143.9M | 6.47% | 14.60% | 6.20% |
| Q4 2023 | $158.8M | $150.2M | 6.43% | 13.65% | 5.68% |
| Q1 2024 | $160.5M | $157.8M | 6.08% | 13.40% | 5.32% |
| Q2 2024 | $162.4M | $151.5M | 5.78% | 12.92% | 5.09% |
| Q3 2024 | $164.0M | $159.9M | 5.97% | 12.79% | 4.90% |
| Q4 2024 | $170.4M | $161.3M | 6.49% | 12.57% | 4.33% |
| Q1 2025 | $169.1M | $171.5M | 6.85% | 11.45% | 3.96% |
| Q2 2025 | $173.2M | $165.0M | 6.74% | 9.62% | 3.72% |
| Q3 2025 | $171.4M | $165.6M | 6.70% | 8.86% | 3.57% |
| Q4 2025 | $181.1M | $169.8M | 6.19% | 9.04% | 3.14% |
| Q1 2026 | $179.7M | $182.6M | 5.68% | 9.02% | 3.00% |
| Q2 2026 | $185.4M | $181.3M | 5.68% | 8.16% | 2.74% |
State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14773) · FFIEC NIC profile (RSSD 792640)