United Bank of 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 Loans held for sale: 38.4% higher than in Q1 2026, at $2.0M. Within Iowa, United Bank of Iowa is 96th of 225 on loan-to-deposit ratio, 85.60% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; United Bank of Iowa reported 85.60% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.68B |
| Net loans and leases | $1.65B |
| Loans held for sale | $2.0M |
| Loans to total assets | 67.17% |
| Loan-to-deposit ratio | 85.60% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.90% |
| Multifamily (5+ residential) | 0.32% |
| Commercial and industrial | 4.80% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 48.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.70% |
| Construction concentration (Tier 1 capital + allowance) | 6.04% |
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 | 5.93% |
| Interest income on loans | $24.7M |
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 | $1.57B | $1.85B | 3.06% | 5.13% | 3.80% |
| Q4 2023 | $1.59B | $1.85B | 3.16% | 5.09% | 3.65% |
| Q1 2024 | $1.56B | $1.89B | 3.18% | 4.22% | 3.56% |
| Q2 2024 | $1.55B | $1.85B | 3.19% | 4.78% | 3.52% |
| Q3 2024 | $1.55B | $1.90B | 3.24% | 4.60% | 3.39% |
| Q4 2024 | $1.58B | $1.89B | 3.20% | 4.48% | 3.28% |
| Q1 2025 | $1.57B | $1.96B | 3.27% | 4.33% | 3.14% |
| Q2 2025 | $1.60B | $1.89B | 3.13% | 5.02% | 3.22% |
| Q3 2025 | $1.62B | $1.94B | 3.10% | 4.85% | 3.12% |
| Q4 2025 | $1.64B | $1.95B | 3.04% | 4.73% | 3.07% |
| Q1 2026 | $1.66B | $1.99B | 2.94% | 4.30% | 2.79% |
| Q2 2026 | $1.68B | $1.96B | 2.90% | 4.80% | 2.83% |
United Bank of Iowa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of 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 United Bank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 958) · FFIEC NIC profile (RSSD 738040)