Twin Cedars 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) climbed 10.01 percentage points in Q2 2026, from 185.08% to 195.09%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Twin Cedars Bank is 91st of 225 on loan-to-deposit ratio, 86.78% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Twin Cedars Bank sits 5.94 points higher, at 86.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.8M |
| Net loans and leases | $88.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.75% |
| Loan-to-deposit ratio | 86.78% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.93% |
| Multifamily (5+ residential) | 3.36% |
| Commercial and industrial | 20.17% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 9.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.09% |
| Construction concentration (Tier 1 capital + allowance) | 114.71% |
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 | 6.95% |
| Interest income on loans | $1.7M |
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 | $61.9M | $63.5M | 13.63% | 12.06% | 2.59% |
| Q4 2023 | $66.5M | $66.2M | 13.49% | 13.20% | 4.31% |
| Q1 2024 | $72.9M | $70.6M | 14.04% | 15.60% | 3.81% |
| Q2 2024 | $76.2M | $74.0M | 13.31% | 18.55% | 3.77% |
| Q3 2024 | $82.0M | $84.1M | 11.94% | 19.69% | 2.15% |
| Q4 2024 | $86.1M | $91.8M | 12.10% | 22.72% | 2.04% |
| Q1 2025 | $91.8M | $95.7M | 14.32% | 22.32% | 1.85% |
| Q2 2025 | $94.0M | $98.7M | 11.24% | 23.02% | 1.69% |
| Q3 2025 | $101.9M | $103.8M | 12.96% | 24.05% | 1.48% |
| Q4 2025 | $99.2M | $105.4M | 12.58% | 23.94% | 1.30% |
| Q1 2026 | $97.0M | $102.7M | 12.94% | 23.44% | 1.22% |
| Q2 2026 | $90.8M | $104.7M | 12.93% | 20.17% | 1.16% |
Twin Cedars Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin Cedars 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 Twin Cedars Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1556) · FFIEC NIC profile (RSSD 750444)