Campbell County 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.
Loan-to-deposit ratio climbed 2.45 percentage points in Q2 2026, from 100.50% to 102.95%. It was the largest change from Q1 2026 among the key lines here. Among 56 South Dakota banks, Campbell County Bank sits 4th from the top on loan-to-deposit ratio, 102.95% as of Q2 2026. Campbell County Bank reported 102.95% on loan-to-deposit ratio for Q2 2026, 22.11 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.7M |
| Net loans and leases | $198.2M |
| Loans held for sale | $0 |
| Loans to total assets | 83.79% |
| Loan-to-deposit ratio | 102.95% |
| Net loans to equity capital | 6.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.64% |
| Consumer | 0.91% |
| Credit cards | 0.04% |
| Farm | 19.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.45% |
| Construction concentration (Tier 1 capital + allowance) | 1.45% |
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 | 7.68% |
| Interest income on loans | $3.9M |
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 | $129.7M | $120.8M | 5.38% | 8.14% | 1.09% |
| Q4 2023 | $142.7M | $124.7M | 5.34% | 6.67% | 1.08% |
| Q1 2024 | $150.0M | $135.4M | 5.20% | 7.14% | 0.95% |
| Q2 2024 | $155.9M | $140.2M | 5.37% | 7.83% | 0.85% |
| Q3 2024 | $152.9M | $145.8M | 5.44% | 7.97% | 0.93% |
| Q4 2024 | $163.5M | $137.7M | 5.02% | 6.21% | 0.88% |
| Q1 2025 | $174.8M | $148.7M | 4.65% | 6.10% | 0.85% |
| Q2 2025 | $166.7M | $147.9M | 5.61% | 6.42% | 0.96% |
| Q3 2025 | $167.2M | $145.1M | 5.96% | 7.23% | 0.95% |
| Q4 2025 | $194.1M | $201.2M | 5.46% | 9.33% | 1.02% |
| Q1 2026 | $204.2M | $203.2M | 5.15% | 9.30% | 0.91% |
| Q2 2026 | $201.7M | $195.9M | 5.09% | 9.64% | 0.91% |
Campbell County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Campbell County 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 Campbell County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16161) · FFIEC NIC profile (RSSD 293651)