Visionbank 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 CRE concentration (Tier 1 capital + allowance): 24.76 percentage points lower than in Q1 2026, at 380.95%. Visionbank of Iowa ranks 34th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 99.51% (Q2 2026). Visionbank of Iowa reported 99.51% on loan-to-deposit ratio for Q2 2026, 18.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $755.1M |
| Net loans and leases | $746.7M |
| Loans held for sale | $1.8M |
| Loans to total assets | 84.27% |
| Loan-to-deposit ratio | 99.51% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.01% |
| Multifamily (5+ residential) | 8.67% |
| Commercial and industrial | 12.56% |
| Consumer | 0.14% |
| Credit cards | 0.03% |
| Farm | 4.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 380.95% |
| Construction concentration (Tier 1 capital + allowance) | 92.73% |
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 | 5.98% |
| Interest income on loans | $11.4M |
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 | $649.4M | $664.0M | 41.92% | 10.04% | 0.30% |
| Q4 2023 | $670.9M | $674.2M | 41.38% | 10.04% | 0.27% |
| Q1 2024 | $677.0M | $683.7M | 41.14% | 9.87% | 0.26% |
| Q2 2024 | $708.1M | $701.6M | 39.65% | 10.21% | 0.24% |
| Q3 2024 | $718.3M | $737.4M | 39.11% | 9.61% | 0.25% |
| Q4 2024 | $765.1M | $751.5M | 37.01% | 12.14% | 0.20% |
| Q1 2025 | $763.4M | $753.9M | 36.68% | 12.07% | 0.19% |
| Q2 2025 | $756.7M | $771.4M | 36.42% | 12.40% | 0.18% |
| Q3 2025 | $768.7M | $748.6M | 37.04% | 12.10% | 0.17% |
| Q4 2025 | $767.4M | $755.0M | 37.92% | 12.77% | 0.16% |
| Q1 2026 | $772.5M | $740.0M | 38.21% | 12.31% | 0.15% |
| Q2 2026 | $755.1M | $758.9M | 38.01% | 12.56% | 0.14% |
Visionbank of Iowa loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank 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 Visionbank of Iowa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11763) · FFIEC NIC profile (RSSD 269049)