Bankstar Financial: 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 27.00 percentage points in Q2 2026, from 277.72% to 250.73%. It was the largest change from Q1 2026 among the key lines here. Bankstar Financial ranks 11th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 94.23% (Q2 2026). Bankstar Financial reported 94.23% on loan-to-deposit ratio for Q2 2026, 13.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $284.7M |
| Net loans and leases | $281.7M |
| Loans held for sale | $0 |
| Loans to total assets | 78.34% |
| Loan-to-deposit ratio | 94.23% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.66% |
| Multifamily (5+ residential) | 13.47% |
| Commercial and industrial | 17.41% |
| Consumer | 1.06% |
| Credit cards | 0.14% |
| Farm | 8.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.73% |
| Construction concentration (Tier 1 capital + allowance) | 21.99% |
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 | 7.06% |
| Interest income on loans | $5.0M |
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 | $229.3M | $226.9M | 25.68% | 12.88% | 1.81% |
| Q4 2023 | $238.5M | $229.6M | 25.44% | 12.44% | 1.66% |
| Q1 2024 | $237.3M | $242.3M | 25.46% | 12.47% | 1.57% |
| Q2 2024 | $245.1M | $244.8M | 26.02% | 12.64% | 1.40% |
| Q3 2024 | $252.8M | $264.2M | 25.46% | 14.00% | 1.38% |
| Q4 2024 | $256.3M | $263.6M | 26.49% | 13.73% | 1.36% |
| Q1 2025 | $259.4M | $270.9M | 26.62% | 15.58% | 1.25% |
| Q2 2025 | $255.0M | $267.5M | 27.04% | 15.49% | 1.23% |
| Q3 2025 | $263.9M | $279.2M | 27.74% | 15.16% | 1.18% |
| Q4 2025 | $272.4M | $292.7M | 28.94% | 15.18% | 1.11% |
| Q1 2026 | $279.7M | $302.9M | 27.88% | 17.06% | 1.04% |
| Q2 2026 | $284.7M | $302.1M | 23.66% | 17.41% | 1.06% |
Bankstar Financial loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankstar Financial, 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 Bankstar Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 496) · FFIEC NIC profile (RSSD 109453)