West Iowa 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.
Net loans and leases climbed 38.1% in Q2 2026, from $93.9M to $129.6M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, West Iowa Bank is 157th of 225 on loan-to-deposit ratio, 71.63% as of Q2 2026, below the middle of the field. West Iowa Bank reported 71.63% on loan-to-deposit ratio for Q2 2026, 9.21 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.0M |
| Net loans and leases | $129.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.01% |
| Loan-to-deposit ratio | 71.63% |
| Net loans to equity capital | 4.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.36% |
| Multifamily (5+ residential) | 0.58% |
| Commercial and industrial | 6.13% |
| Consumer | 1.40% |
| Credit cards | 0.00% |
| Farm | 25.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.69% |
| Construction concentration (Tier 1 capital + allowance) | 14.11% |
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 | 5.44% |
| 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 | $92.3M | $136.4M | 12.88% | 13.79% | 1.21% |
| Q4 2023 | $98.4M | $141.9M | 12.00% | 13.56% | 1.24% |
| Q1 2024 | $99.5M | $136.8M | 11.73% | 9.28% | 1.19% |
| Q2 2024 | $98.1M | $142.3M | 11.55% | 6.93% | 1.20% |
| Q3 2024 | $92.5M | $138.8M | 11.89% | 6.83% | 1.21% |
| Q4 2024 | $92.3M | $137.1M | 12.36% | 7.23% | 1.25% |
| Q1 2025 | $92.3M | $139.5M | 12.41% | 6.69% | 1.23% |
| Q2 2025 | $90.8M | $132.4M | 11.84% | 6.97% | 1.23% |
| Q3 2025 | $89.6M | $129.8M | 12.07% | 5.41% | 1.23% |
| Q4 2025 | $95.1M | $131.6M | 12.05% | 5.99% | 1.17% |
| Q1 2026 | $95.0M | $136.5M | 15.55% | 7.75% | 1.48% |
| Q2 2026 | $131.0M | $183.0M | 14.36% | 6.13% | 1.40% |
West Iowa Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Iowa 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 West Iowa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9105) · FFIEC NIC profile (RSSD 137643)