Tri-Valley 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.
Cre concentration (tier 1 capital + allowance) dropped 29.25 percentage points in Q2 2026, from 116.13% to 86.88%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Tri-Valley Bank is 182nd of 225 on loan-to-deposit ratio, 64.04% as of Q2 2026, below the middle of the field. Tri-Valley Bank reported 64.04% on loan-to-deposit ratio for Q2 2026, 3.58 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.6M |
| Net loans and leases | $48.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.91% |
| Loan-to-deposit ratio | 64.04% |
| Net loans to equity capital | 9.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.38% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.41% |
| Consumer | 3.05% |
| Credit cards | 0.00% |
| Farm | 19.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.88% |
| Construction concentration (Tier 1 capital + allowance) | 27.63% |
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 | 6.65% |
| Interest income on loans | $824K |
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 | $42.8M | $72.4M | 15.39% | 8.10% | 2.95% |
| Q4 2023 | $45.5M | $73.3M | 15.05% | 7.99% | 3.56% |
| Q1 2024 | $47.1M | $75.8M | 14.47% | 8.62% | 3.30% |
| Q2 2024 | $49.2M | $74.0M | 15.29% | 8.97% | 3.39% |
| Q3 2024 | $51.0M | $74.6M | 14.93% | 8.20% | 3.49% |
| Q4 2024 | $52.2M | $79.4M | 15.39% | 7.69% | 3.06% |
| Q1 2025 | $49.3M | $80.2M | 14.42% | 8.28% | 3.64% |
| Q2 2025 | $50.6M | $80.1M | 16.66% | 8.29% | 3.31% |
| Q3 2025 | $54.2M | $77.7M | 15.95% | 7.87% | 3.49% |
| Q4 2025 | $55.2M | $74.6M | 15.38% | 8.19% | 2.84% |
| Q1 2026 | $51.5M | $76.4M | 16.98% | 8.39% | 2.86% |
| Q2 2026 | $49.6M | $77.4M | 15.38% | 8.41% | 3.05% |
Tri-Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-Valley 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 Tri-Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)