Bankwest, Incorporated: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.03 percentage points higher than in Q1 2026, at 236.25%. Within South Dakota, Bankwest, Incorporated is 24th of 56 on loan-to-deposit ratio, 85.60% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bankwest, Incorporated reported 85.60% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.41B |
| Net loans and leases | $1.39B |
| Loans held for sale | $3.5M |
| Loans to total assets | 72.79% |
| Loan-to-deposit ratio | 85.60% |
| Net loans to equity capital | 8.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.69% |
| Multifamily (5+ residential) | 7.40% |
| Commercial and industrial | 6.92% |
| Consumer | 8.97% |
| Credit cards | 0.04% |
| Farm | 17.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.25% |
| Construction concentration (Tier 1 capital + allowance) | 76.67% |
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 | 6.83% |
| Interest income on loans | $23.8M |
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 | $1.03B | $1.40B | 19.08% | 10.28% | 11.09% |
| Q4 2023 | $1.07B | $1.41B | 18.64% | 10.17% | 10.91% |
| Q1 2024 | $1.10B | $1.37B | 18.44% | 10.86% | 10.56% |
| Q2 2024 | $1.16B | $1.39B | 18.39% | 10.60% | 10.20% |
| Q3 2024 | $1.18B | $1.52B | 18.37% | 11.52% | 10.35% |
| Q4 2024 | $1.24B | $1.51B | 17.64% | 11.26% | 10.10% |
| Q1 2025 | $1.28B | $1.51B | 20.32% | 8.92% | 9.76% |
| Q2 2025 | $1.30B | $1.49B | 19.93% | 9.02% | 9.65% |
| Q3 2025 | $1.33B | $1.57B | 19.65% | 8.26% | 9.60% |
| Q4 2025 | $1.37B | $1.58B | 19.16% | 8.12% | 9.37% |
| Q1 2026 | $1.37B | $1.64B | 18.69% | 8.30% | 9.28% |
| Q2 2026 | $1.41B | $1.65B | 18.69% | 6.92% | 8.97% |
Bankwest, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwest, Incorporated, 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 Bankwest, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4009) · FFIEC NIC profile (RSSD 540551)