$1.97B
+4.7%y/y
Percentile by value91st percentileby value
FDIC
LNLSGRCB
Central Bank
Storm Lake, IowaFDIC Cert #15555
STATEEstablished 187923 branches
Holding company: COMMERCIAL FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $325M |
| Investor CRE | $376M |
| Multifamily | $130M |
| Construction | $151M |
| 1–4 family | $442M |
| C&I | $340M |
| Agriculture | $178M |
| Other | $32M |
Loan book
Reported balances and balance-sheet intensity.
$1.95B
+4.7%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET+4.69%
+414.1%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET103.6%
+3.1%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET + DEP86.9%
+1.9%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET + ASSET81.38%
+1.5%y/y
Percentile by value42nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
269%
−9.5%y/y
Percentile by value69th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC62%
−3.5%y/y
Percentile by value65th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,591points
−0.4%y/y
Peer standing82nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD16.46%
+10.5%y/y
Percentile by value70th percentileby value
FDIC
LNRENROW + LNLSGR19.05%
−1.4%y/y
Percentile by value51st percentileby value
FDIC
LNRENROT + LNLSGR17.22%
−4.3%y/y
Percentile by value74th percentileby value
FDIC
LNCI + LNLSGR