Iowa State Bank

Hull, IowaFDIC Cert #13953

STATEEstablished 187914 branches

Holding company: VOGEL BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio 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

Latest reported loan balances by category
Category	Balance
Owner CRE	$133M
Investor CRE	$4.68M
Multifamily	$30.5M
Construction	$27.9M
1–4 family	$55.6M
C&I	$68.9M
Agriculture	$525M
Other	$31.2M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$877M

+9.9%y/y

Percentile by value28th percentileby value

FDICLNLSGR

Net loans

$866M

+9.8%y/y

Percentile by value28th percentileby value

FDICLNLSNET

Loans YoY

+9.84%

+189.3%y/y

Percentile by value69th percentileby value

FDICLNLSNET

L/D

96.8%

+12.5%y/y

Percentile by value85th percentileby value

FDICLNLSNET + DEP

Loans/assets

70.1%

+3.3%y/y

Percentile by value45th percentileby value

FDICLNLSNET + ASSET

RE loans %

70.37%

+0.7%y/y

Percentile by value18th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,389points

−1.6%y/y

Peer standing26th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.12%

+14.9%y/y

Percentile by value64th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.53%

−11.8%y/y

Percentile by value2nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

7.86%

+8.5%y/y

Percentile by value31st percentileby value

FDICLNCI + LNLSGR