White 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.05 percentage points lower than in Q1 2026, at 4.78%. On loan-to-deposit ratio, White State Bank is 7th from the bottom among 225 Iowa banks, 39.50% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, White State Bank reported 39.50% on loan-to-deposit ratio in Q2 2026, 41.06 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.1M |
| Net loans and leases | $37.4M |
| Loans held for sale | $0 |
| Loans to total assets | 34.92% |
| Loan-to-deposit ratio | 39.50% |
| Net loans to equity capital | 3.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.72% |
| Multifamily (5+ residential) | 1.64% |
| Commercial and industrial | 12.40% |
| Consumer | 4.89% |
| Credit cards | 0.00% |
| Farm | 23.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.79% |
| Construction concentration (Tier 1 capital + allowance) | 4.78% |
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 | 6.40% |
| Interest income on loans | $594K |
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 | $33.5M | $82.9M | 7.36% | 17.24% | 5.30% |
| Q4 2023 | $37.1M | $90.2M | 6.56% | 16.31% | 4.71% |
| Q1 2024 | $35.6M | $88.6M | 5.83% | 15.98% | 4.94% |
| Q2 2024 | $35.2M | $90.3M | 7.79% | 15.52% | 5.17% |
| Q3 2024 | $36.7M | $89.7M | 7.45% | 15.41% | 4.92% |
| Q4 2024 | $37.1M | $89.5M | 7.39% | 15.61% | 5.38% |
| Q1 2025 | $36.1M | $88.5M | 7.86% | 16.09% | 5.66% |
| Q2 2025 | $37.0M | $87.2M | 8.19% | 17.83% | 5.80% |
| Q3 2025 | $37.4M | $85.8M | 8.11% | 16.82% | 6.07% |
| Q4 2025 | $37.6M | $92.6M | 7.95% | 14.62% | 5.93% |
| Q1 2026 | $36.6M | $91.1M | 12.39% | 11.89% | 5.30% |
| Q2 2026 | $38.1M | $96.4M | 13.72% | 12.40% | 4.89% |
White State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock White 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 White State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8519) · FFIEC NIC profile (RSSD 359744)