The Watkins Savings 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.
Compared with Q1 2026, Commercial and industrial rose 0.75 percentage points in Q2 2026 to 1.67%, the biggest move on this page. On loan-to-deposit ratio, The Watkins Savings Bank is 12th from the bottom among 225 Iowa banks, 43.28% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Watkins Savings Bank sits 24.35 points lower, at 43.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.5M |
| Net loans and leases | $32.3M |
| Loans held for sale | $0 |
| Loans to total assets | 37.44% |
| Loan-to-deposit ratio | 43.28% |
| Net loans to equity capital | 2.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.67% |
| Consumer | 2.05% |
| Credit cards | 0.00% |
| Farm | 46.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.55% |
| Construction concentration (Tier 1 capital + allowance) | 1.55% |
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 | 5.78% |
| Interest income on loans | $471K |
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 | $28.8M | $67.2M | 0.97% | 2.26% | 3.25% |
| Q4 2023 | $31.1M | $69.9M | 0.26% | 2.10% | 2.73% |
| Q1 2024 | $32.2M | $70.3M | 0.24% | 2.10% | 2.66% |
| Q2 2024 | $30.8M | $69.0M | 0.24% | 2.06% | 2.88% |
| Q3 2024 | $31.5M | $66.8M | 0.10% | 2.03% | 2.71% |
| Q4 2024 | $33.8M | $68.8M | 0.08% | 1.77% | 2.35% |
| Q1 2025 | $34.3M | $71.5M | 0.08% | 1.63% | 2.49% |
| Q2 2025 | $33.0M | $71.3M | 0.08% | 1.70% | 2.35% |
| Q3 2025 | $33.0M | $69.7M | 0.07% | 1.60% | 2.25% |
| Q4 2025 | $33.6M | $71.8M | 0.04% | 1.46% | 2.41% |
| Q1 2026 | $33.0M | $75.7M | 0.03% | 0.93% | 2.03% |
| Q2 2026 | $32.5M | $75.0M | 0.03% | 1.67% | 2.05% |
The Watkins Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Watkins Savings 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 The Watkins Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18071) · FFIEC NIC profile (RSSD 437044)