Belt Valley Bank: 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.
Construction concentration (tier 1 capital + allowance) climbed 8.44 percentage points in Q2 2026, from 82.74% to 91.18%. It was the largest change from Q1 2026 among the key lines here. Among 35 Montana banks, Belt Valley Bank sits 3rd from the top on loan-to-deposit ratio, 99.96% as of Q2 2026. Belt Valley Bank reported 99.96% on loan-to-deposit ratio for Q2 2026, 32.34 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.0M |
| Net loans and leases | $73.0M |
| Loans held for sale | $0 |
| Loans to total assets | 82.25% |
| Loan-to-deposit ratio | 99.96% |
| Net loans to equity capital | 5.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.25% |
| Multifamily (5+ residential) | 2.30% |
| Commercial and industrial | 3.99% |
| Consumer | 2.79% |
| Credit cards | 0.00% |
| Farm | 7.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.83% |
| Construction concentration (Tier 1 capital + allowance) | 91.18% |
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 | 8.12% |
| Interest income on loans | $1.5M |
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 | $61.1M | $62.2M | 8.97% | 4.86% | 4.15% |
| Q4 2023 | $60.6M | $65.1M | 9.79% | 4.19% | 4.66% |
| Q1 2024 | $62.8M | $62.7M | 9.62% | 4.31% | 3.66% |
| Q2 2024 | $70.1M | $62.6M | 8.39% | 3.86% | 3.41% |
| Q3 2024 | $71.9M | $67.1M | 8.02% | 4.28% | 3.22% |
| Q4 2024 | $69.6M | $70.3M | 8.01% | 4.13% | 3.03% |
| Q1 2025 | $68.2M | $66.7M | 8.09% | 4.50% | 2.89% |
| Q2 2025 | $71.0M | $66.3M | 7.99% | 4.38% | 2.89% |
| Q3 2025 | $74.8M | $67.9M | 7.99% | 4.20% | 2.59% |
| Q4 2025 | $72.0M | $73.4M | 8.62% | 4.33% | 2.78% |
| Q1 2026 | $69.5M | $75.2M | 9.98% | 4.45% | 2.79% |
| Q2 2026 | $74.0M | $74.0M | 9.25% | 3.99% | 2.79% |
Belt Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Belt Valley Bank, 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 Belt Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15362) · FFIEC NIC profile (RSSD 223751)