The Bank of Star Valley: 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.
Cre concentration (tier 1 capital + allowance) dropped 13.56 percentage points in Q2 2026, from 117.40% to 103.84%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, The Bank of Star Valley is 13th of 23 on loan-to-deposit ratio, 62.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank of Star Valley sits 18.77 points lower, at 62.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $229.4M |
| Net loans and leases | $226.3M |
| Loans held for sale | $0 |
| Loans to total assets | 54.61% |
| Loan-to-deposit ratio | 62.17% |
| Net loans to equity capital | 5.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.34% |
| Multifamily (5+ residential) | 3.67% |
| Commercial and industrial | 14.69% |
| Consumer | 9.98% |
| Credit cards | 0.00% |
| Farm | 5.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.84% |
| Construction concentration (Tier 1 capital + allowance) | 59.19% |
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 | 7.32% |
| Interest income on loans | $4.3M |
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 | $204.2M | $330.5M | 19.01% | 12.69% | 10.46% |
| Q4 2023 | $201.0M | $349.0M | 17.67% | 13.89% | 10.63% |
| Q1 2024 | $199.0M | $326.8M | 17.78% | 13.46% | 10.82% |
| Q2 2024 | $204.9M | $331.8M | 18.22% | 14.67% | 11.09% |
| Q3 2024 | $217.9M | $354.2M | 17.14% | 14.49% | 10.27% |
| Q4 2024 | $217.7M | $340.2M | 18.48% | 14.62% | 10.12% |
| Q1 2025 | $219.4M | $345.7M | 17.80% | 14.74% | 10.29% |
| Q2 2025 | $221.0M | $351.4M | 17.99% | 13.82% | 10.38% |
| Q3 2025 | $227.3M | $344.7M | 16.12% | 14.82% | 9.88% |
| Q4 2025 | $230.5M | $350.9M | 15.50% | 14.50% | 9.69% |
| Q1 2026 | $234.3M | $354.6M | 15.70% | 13.87% | 9.89% |
| Q2 2026 | $229.4M | $368.9M | 15.34% | 14.69% | 9.98% |
The Bank of Star Valley loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Star Valley, 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 Star Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34148) · FFIEC NIC profile (RSSD 2396604)