TS 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 Loans to total assets: 1.45 percentage points higher than in Q1 2026, at 54.19%. TS Bank ranks 192nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 60.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. TS Bank sits 20.03 points lower, at 60.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.5M |
| Net loans and leases | $231.8M |
| Loans held for sale | $0 |
| Loans to total assets | 54.19% |
| Loan-to-deposit ratio | 60.53% |
| Net loans to equity capital | 8.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.63% |
| Multifamily (5+ residential) | 2.65% |
| Commercial and industrial | 19.88% |
| Consumer | 3.74% |
| Credit cards | 0.00% |
| Farm | 21.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.51% |
| Construction concentration (Tier 1 capital + allowance) | 12.07% |
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 | 6.25% |
| Interest income on loans | $3.8M |
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 | $194.4M | $393.2M | 13.09% | 17.54% | 2.81% |
| Q4 2023 | $198.9M | $424.8M | 11.93% | 17.07% | 2.82% |
| Q1 2024 | $202.7M | $425.7M | 10.79% | 16.78% | 2.68% |
| Q2 2024 | $206.4M | $430.1M | 14.15% | 16.37% | 2.80% |
| Q3 2024 | $200.9M | $422.5M | 14.54% | 17.07% | 2.85% |
| Q4 2024 | $212.6M | $433.7M | 14.62% | 17.52% | 4.28% |
| Q1 2025 | $208.9M | $430.3M | 14.52% | 19.54% | 4.18% |
| Q2 2025 | $220.0M | $431.1M | 16.56% | 18.47% | 4.34% |
| Q3 2025 | $206.8M | $409.9M | 17.45% | 17.36% | 4.61% |
| Q4 2025 | $215.5M | $403.5M | 18.98% | 19.27% | 4.62% |
| Q1 2026 | $242.3M | $407.1M | 21.85% | 21.00% | 3.84% |
| Q2 2026 | $234.5M | $387.4M | 21.63% | 19.88% | 3.74% |
TS Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TS 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 TS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14812) · FFIEC NIC profile (RSSD 552545)