Cherokee State Bank

Cherokee, IowaFDIC Cert #951

STATEEstablished 18881 branch

Holding company: Not reportedRegulator: 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	$22.9M
Investor CRE	$7.99M
Multifamily	$3.23M
Construction	$8.27M
1–4 family	$26.5M
C&I	$20.4M
Agriculture	$91.8M
Other	$1.78M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$183M

+6.1%y/y

Percentile by value87th percentileby value

FDICLNLSGR

Net loans

$181M

+6.1%y/y

Percentile by value87th percentileby value

FDICLNLSNET

Loans YoY

+6.13%

+270.7%y/y

Percentile by value55th percentileby value

FDICLNLSNET

L/D

79.8%

+2.4%y/y

Percentile by value59th percentileby value

FDICLNLSNET + DEP

Loans/assets

65.2%

+1.3%y/y

Percentile by value52nd percentileby value

FDICLNLSNET + ASSET

RE loans %

69.41%

−1.9%y/y

Percentile by value30th 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

1,839points

−5.4%y/y

Peer standing82nd percentile

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

Owner CRE %

12.53%

−0.6%y/y

Percentile by value66th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.37%

−15.1%y/y

Percentile by value32nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.16%

+43.6%y/y

Percentile by value60th percentileby value

FDICLNCI + LNLSGR