Waukon State 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.
Loan-to-deposit ratio climbed 5.77 percentage points in Q2 2026, from 90.71% to 96.47%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Waukon State Bank is 42nd of 225 on loan-to-deposit ratio, 96.47% 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. Waukon State Bank sits 15.63 points higher, at 96.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $353.6M |
| Net loans and leases | $348.6M |
| Loans held for sale | $0 |
| Loans to total assets | 82.84% |
| Loan-to-deposit ratio | 96.47% |
| Net loans to equity capital | 7.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.51% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 10.57% |
| Consumer | 1.59% |
| Credit cards | 0.00% |
| Farm | 24.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.87% |
| Construction concentration (Tier 1 capital + allowance) | 8.20% |
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 | 6.10% |
| Interest income on loans | $5.3M |
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 | $334.7M | $344.4M | 19.28% | 13.22% | 2.42% |
| Q4 2023 | $337.0M | $328.5M | 19.84% | 13.17% | 2.36% |
| Q1 2024 | $329.9M | $341.7M | 19.76% | 12.90% | 2.35% |
| Q2 2024 | $333.5M | $330.5M | 19.65% | 13.43% | 2.30% |
| Q3 2024 | $337.0M | $350.1M | 19.54% | 12.90% | 2.23% |
| Q4 2024 | $339.2M | $350.2M | 19.17% | 11.80% | 2.21% |
| Q1 2025 | $341.1M | $360.3M | 19.19% | 11.32% | 2.03% |
| Q2 2025 | $347.7M | $347.0M | 19.62% | 11.61% | 1.91% |
| Q3 2025 | $353.9M | $362.0M | 19.11% | 11.89% | 1.77% |
| Q4 2025 | $358.9M | $369.9M | 18.71% | 11.61% | 1.65% |
| Q1 2026 | $349.5M | $385.3M | 18.48% | 10.02% | 1.64% |
| Q2 2026 | $353.6M | $366.5M | 18.51% | 10.57% | 1.59% |
Waukon State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukon State 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 Waukon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1857) · FFIEC NIC profile (RSSD 436542)