The Security National Bank of Sioux City, Iowa: 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: 5.99 percentage points higher than in Q1 2026, at 92.17%. The Security National Bank of Sioux City, Iowa ranks 59th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 92.17% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Security National Bank of Sioux City, Iowa sits 3.97 points higher, at 92.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.19B |
| Loans held for sale | $1.8M |
| Loans to total assets | 71.53% |
| Loan-to-deposit ratio | 92.17% |
| Net loans to equity capital | 5.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.60% |
| Multifamily (5+ residential) | 8.71% |
| Commercial and industrial | 9.12% |
| Consumer | 1.60% |
| Credit cards | 0.00% |
| Farm | 16.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.31% |
| Construction concentration (Tier 1 capital + allowance) | 27.49% |
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 | 5.72% |
| Interest income on loans | $17.0M |
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 | $747.5M | $901.0M | 13.54% | 9.78% | 2.77% |
| Q4 2023 | $997.5M | $1.19B | 11.67% | 9.00% | 2.24% |
| Q1 2024 | $1.03B | $1.23B | 11.49% | 9.53% | 2.11% |
| Q2 2024 | $1.03B | $1.18B | 12.00% | 9.30% | 1.99% |
| Q3 2024 | $1.06B | $1.20B | 12.75% | 9.25% | 1.88% |
| Q4 2024 | $1.08B | $1.20B | 11.86% | 9.60% | 1.83% |
| Q1 2025 | $1.10B | $1.33B | 11.03% | 9.65% | 1.75% |
| Q2 2025 | $1.12B | $1.29B | 11.14% | 9.61% | 1.65% |
| Q3 2025 | $1.15B | $1.34B | 11.68% | 9.40% | 1.57% |
| Q4 2025 | $1.15B | $1.33B | 11.75% | 8.48% | 1.58% |
| Q1 2026 | $1.19B | $1.38B | 11.46% | 8.93% | 1.58% |
| Q2 2026 | $1.21B | $1.31B | 11.60% | 9.12% | 1.60% |
The Security National Bank of Sioux City, Iowa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security National Bank of Sioux City, Iowa, 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 Security National Bank of Sioux City, Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4506) · FFIEC NIC profile (RSSD 418249)