The Bancorp Bank N.A.: 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 CRE concentration (Tier 1 capital + allowance): 10.84 percentage points lower than in Q1 2026, at 254.89%. The Bancorp Bank N.A. ranks 9th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 96.00% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bancorp Bank N.A. sits 7.80 points higher, at 96.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.19B |
| Net loans and leases | $7.12B |
| Loans held for sale | $0 |
| Loans to total assets | 78.08% |
| Loan-to-deposit ratio | 96.00% |
| Net loans to equity capital | 8.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.70% |
| Multifamily (5+ residential) | 31.54% |
| Commercial and industrial | 10.89% |
| Consumer | 35.95% |
| Credit cards | 4.68% |
| 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) | 254.89% |
| Construction concentration (Tier 1 capital + allowance) | 2.32% |
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 | 5.80% |
| Interest income on loans | $96.9M |
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 | $5.58B | $6.51B | 12.47% | 8.07% | 29.77% |
| Q4 2023 | $5.69B | $6.69B | 13.12% | 8.65% | 27.21% |
| Q1 2024 | $5.74B | $6.90B | 13.42% | 8.55% | 26.00% |
| Q2 2024 | $5.87B | $7.16B | 13.29% | 9.06% | 26.50% |
| Q3 2024 | $6.16B | $6.93B | 12.85% | 8.80% | 28.48% |
| Q4 2024 | $6.34B | $7.76B | 12.36% | 10.55% | 30.33% |
| Q1 2025 | $6.59B | $8.37B | 12.11% | 10.10% | 31.08% |
| Q2 2025 | $6.72B | $7.77B | 12.44% | 11.17% | 32.26% |
| Q3 2025 | $6.82B | $7.43B | 12.28% | 11.52% | 33.40% |
| Q4 2025 | $7.26B | $8.18B | 11.82% | 11.03% | 36.47% |
| Q1 2026 | $7.88B | $8.44B | 10.59% | 10.03% | 40.92% |
| Q2 2026 | $7.19B | $7.49B | 11.70% | 10.89% | 35.95% |
The Bancorp Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bancorp Bank N.A., 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 The Bancorp Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35444) · FFIEC NIC profile (RSSD 2858960)