The Bank of Baker: 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 2.47 percentage points in Q2 2026, from 60.79% to 63.27%. It was the largest change from Q1 2026 among the key lines here. Within Montana, The Bank of Baker is 26th of 35 on loan-to-deposit ratio, 63.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Baker sits 17.57 points lower, at 63.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.0M |
| Net loans and leases | $88.7M |
| Loans held for sale | $0 |
| Loans to total assets | 55.91% |
| Loan-to-deposit ratio | 63.27% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.44% |
| Multifamily (5+ residential) | 5.44% |
| Commercial and industrial | 20.94% |
| Consumer | 1.46% |
| Credit cards | 0.00% |
| Farm | 23.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.79% |
| Construction concentration (Tier 1 capital + allowance) | 24.06% |
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 | 6.78% |
| Interest income on loans | $1.5M |
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 | $90.4M | $142.5M | 18.86% | 20.87% | 1.50% |
| Q4 2023 | $90.5M | $126.1M | 18.80% | 22.13% | 2.24% |
| Q1 2024 | $85.6M | $141.4M | 19.70% | 22.87% | 2.24% |
| Q2 2024 | $91.9M | $140.0M | 19.01% | 22.32% | 1.83% |
| Q3 2024 | $89.1M | $135.3M | 19.49% | 21.45% | 1.82% |
| Q4 2024 | $84.8M | $145.0M | 21.06% | 23.33% | 1.88% |
| Q1 2025 | $81.4M | $136.6M | 21.61% | 22.46% | 2.10% |
| Q2 2025 | $86.1M | $139.5M | 20.62% | 22.21% | 1.92% |
| Q3 2025 | $87.2M | $138.7M | 19.85% | 22.91% | 2.15% |
| Q4 2025 | $87.5M | $144.1M | 20.32% | 22.68% | 1.85% |
| Q1 2026 | $88.7M | $146.0M | 19.86% | 20.88% | 1.51% |
| Q2 2026 | $90.0M | $142.2M | 19.44% | 20.94% | 1.46% |
The Bank of Baker loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Baker, 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 Bank of Baker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 352) · FFIEC NIC profile (RSSD 222558)