American Federal Bank: 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.
Loan-to-deposit ratio climbed 5.68 percentage points in Q2 2026, from 105.64% to 111.32%. It was the largest change from Q1 2026 among the key lines here. Among 60 North Dakota banks, American Federal Bank sits 3rd from the top on loan-to-deposit ratio, 111.32% as of Q2 2026. American Federal Bank reported 111.32% on loan-to-deposit ratio for Q2 2026, 30.37 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $685.2M |
| Net loans and leases | $678.1M |
| Loans held for sale | $730K |
| Loans to total assets | 86.10% |
| Loan-to-deposit ratio | 111.32% |
| Net loans to equity capital | 9.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.61% |
| Multifamily (5+ residential) | 14.88% |
| Commercial and industrial | 3.33% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 21.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.59% |
| Construction concentration (Tier 1 capital + allowance) | 8.82% |
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 | 6.10% |
| Interest income on loans | $10.1M |
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 | $626.5M | $575.9M | 11.02% | 2.93% | 1.21% |
| Q4 2023 | $641.2M | $607.8M | 11.93% | 2.76% | 1.12% |
| Q1 2024 | $644.9M | $587.7M | 12.28% | 2.87% | 1.19% |
| Q2 2024 | $685.1M | $584.2M | 12.43% | 2.89% | 1.10% |
| Q3 2024 | $702.9M | $578.2M | 12.28% | 3.17% | 1.05% |
| Q4 2024 | $692.9M | $612.5M | 12.91% | 2.99% | 1.01% |
| Q1 2025 | $668.3M | $621.2M | 13.43% | 2.97% | 1.05% |
| Q2 2025 | $659.6M | $617.8M | 13.81% | 3.17% | 1.01% |
| Q3 2025 | $665.3M | $597.5M | 14.01% | 3.38% | 0.97% |
| Q4 2025 | $671.3M | $632.5M | 13.45% | 3.11% | 0.99% |
| Q1 2026 | $655.3M | $620.4M | 13.76% | 2.98% | 0.88% |
| Q2 2026 | $685.2M | $615.6M | 13.61% | 3.33% | 0.88% |
American Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Federal Bank, 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 American Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29140) · FFIEC NIC profile (RSSD 637170)