1st Financial Bank USA: 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 Loan-to-deposit ratio: 4.50 percentage points lower than in Q1 2026, at 90.29%. 1st Financial Bank USA ranks 17th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 90.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; 1st Financial Bank USA reported 90.29% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $987.1M |
| Net loans and leases | $969.6M |
| Loans held for sale | $0 |
| Loans to total assets | 70.30% |
| Loan-to-deposit ratio | 90.29% |
| Net loans to equity capital | 4.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.59% |
| Multifamily (5+ residential) | 2.39% |
| Commercial and industrial | 3.36% |
| Consumer | 35.88% |
| Credit cards | 35.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.44% |
| Construction concentration (Tier 1 capital + allowance) | 64.83% |
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 | — |
| Interest income on loans | $29.7M |
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 | $904.5M | $923.9M | 0.12% | 1.15% | 42.51% |
| Q4 2023 | $929.3M | $909.5M | 0.13% | 2.14% | 42.05% |
| Q1 2024 | $929.0M | $942.1M | 0.09% | 2.45% | 40.91% |
| Q2 2024 | $947.3M | $952.4M | 0.09% | 2.46% | 40.03% |
| Q3 2024 | $946.8M | $993.3M | 0.09% | 2.60% | 40.18% |
| Q4 2024 | $939.3M | $996.5M | 0.09% | 2.48% | 40.95% |
| Q1 2025 | $932.1M | $1.03B | 0.49% | 2.80% | 39.75% |
| Q2 2025 | $959.2M | $994.9M | 0.47% | 2.96% | 38.35% |
| Q3 2025 | $979.0M | $1.01B | 0.58% | 3.26% | 37.86% |
| Q4 2025 | $964.5M | $1.04B | 0.62% | 2.88% | 38.49% |
| Q1 2026 | $969.9M | $1.02B | 0.61% | 2.80% | 36.70% |
| Q2 2026 | $987.1M | $1.09B | 0.59% | 3.36% | 35.88% |
1st Financial Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Financial Bank USA, 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 1st Financial Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1673) · FFIEC NIC profile (RSSD 526452)