Bank of the Rockies: 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 7.28 percentage points in Q2 2026, from 85.62% to 92.90%. It was the largest change from Q1 2026 among the key lines here. Bank of the Rockies ranks 7th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 92.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of the Rockies sits 11.95 points higher, at 92.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $213.2M |
| Net loans and leases | $210.9M |
| Loans held for sale | $0 |
| Loans to total assets | 76.84% |
| Loan-to-deposit ratio | 92.90% |
| Net loans to equity capital | 8.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.59% |
| Multifamily (5+ residential) | 1.25% |
| Commercial and industrial | 17.96% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 22.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.44% |
| Construction concentration (Tier 1 capital + allowance) | 69.17% |
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 | 7.33% |
| Interest income on loans | $3.7M |
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 | $179.4M | $206.1M | 24.85% | 20.42% | 2.32% |
| Q4 2023 | $175.1M | $206.6M | 25.40% | 21.22% | 2.32% |
| Q1 2024 | $182.0M | $204.2M | 28.37% | 17.82% | 2.10% |
| Q2 2024 | $187.9M | $202.7M | 26.31% | 20.06% | 2.37% |
| Q3 2024 | $183.1M | $208.9M | 27.97% | 20.13% | 1.92% |
| Q4 2024 | $189.1M | $213.4M | 27.26% | 20.83% | 1.85% |
| Q1 2025 | $193.7M | $219.5M | 26.39% | 19.69% | 1.90% |
| Q2 2025 | $195.5M | $221.5M | 26.02% | 19.32% | 2.03% |
| Q3 2025 | $195.8M | $226.2M | 25.70% | 19.08% | 2.05% |
| Q4 2025 | $191.2M | $236.8M | 27.67% | 19.37% | 1.89% |
| Q1 2026 | $198.6M | $232.0M | 29.34% | 19.19% | 1.68% |
| Q2 2026 | $213.2M | $229.5M | 27.59% | 17.96% | 1.41% |
Bank of the Rockies loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Rockies, 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 Bank of the Rockies profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2205) · FFIEC NIC profile (RSSD 475756)