United Bank of Iowa

Ida Grove, IowaFDIC Cert #958

STATEEstablished 193237 branches

Holding company: IDA GROVE BANCSHARES INCRegulator: FDIC

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	$29.3M
Investor CRE	$19.4M
Multifamily	$5.04M
Construction	$14.5M
1–4 family	$179M
C&I	$71.3M
Agriculture	$1.27B
Other	$65M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.66B

+5.4%y/y

Percentile by value80th percentileby value

FDICLNLSGR

Net loans

$1.64B

+5.4%y/y

Percentile by value81st percentileby value

FDICLNLSNET

Loans YoY

+5.43%

+680.6%y/y

Percentile by value48th percentileby value

FDICLNLSNET

L/D

82.3%

+3.9%y/y

Percentile by value41st percentileby value

FDICLNLSNET + DEP

Loans/assets

64.6%

+3.2%y/y

Percentile by value26th percentileby value

FDICLNLSNET + ASSET

RE loans %

64.31%

−1.9%y/y

Percentile by value12th 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

3,309points

−0.9%y/y

Peer standing14th percentile

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

Owner CRE %

1.77%

−5.2%y/y

Percentile by value5th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.17%

−16.3%y/y

Percentile by value3rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.30%

−0.8%y/y

Percentile by value16th percentileby value

FDICLNCI + LNLSGR