The Bank of Tioga: 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) climbed 20.49 percentage points in Q2 2026, from 36.94% to 57.43%. It was the largest change from Q1 2026 among the key lines here. The Bank of Tioga has the 2nd lowest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, at 34.32% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, The Bank of Tioga reported 34.32% on loan-to-deposit ratio in Q2 2026, 46.62 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.1M |
| Net loans and leases | $134.9M |
| Loans held for sale | $0 |
| Loans to total assets | 33.04% |
| Loan-to-deposit ratio | 34.32% |
| Net loans to equity capital | 15.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.07% |
| Multifamily (5+ residential) | 0.53% |
| Commercial and industrial | 18.18% |
| Consumer | 2.72% |
| Credit cards | 0.00% |
| Farm | 17.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.43% |
| Construction concentration (Tier 1 capital + allowance) | 1.37% |
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 | 6.14% |
| Interest income on loans | $2.0M |
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 | $97.3M | $331.8M | 14.40% | 15.66% | 5.99% |
| Q4 2023 | $103.5M | $393.6M | 13.16% | 17.46% | 5.91% |
| Q1 2024 | $107.5M | $405.1M | 12.42% | 17.23% | 5.86% |
| Q2 2024 | $107.9M | $401.0M | 12.79% | 17.13% | 5.82% |
| Q3 2024 | $111.2M | $426.6M | 11.93% | 18.02% | 5.23% |
| Q4 2024 | $107.4M | $427.3M | 10.17% | 19.06% | 4.89% |
| Q1 2025 | $103.8M | $430.3M | 10.31% | 16.57% | 4.73% |
| Q2 2025 | $115.2M | $414.7M | 9.16% | 17.16% | 4.06% |
| Q3 2025 | $125.5M | $408.8M | 12.18% | 22.47% | 3.63% |
| Q4 2025 | $118.9M | $386.8M | 13.89% | 19.38% | 3.54% |
| Q1 2026 | $122.9M | $396.9M | 18.89% | 18.50% | 3.30% |
| Q2 2026 | $136.1M | $396.6M | 23.07% | 18.18% | 2.72% |
The Bank of Tioga loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tioga, 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 Tioga profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17280) · FFIEC NIC profile (RSSD 768953)