Commercial Bank of Mott: 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 8.08 percentage points in Q2 2026, from 82.59% to 90.67%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank of Mott ranks 15th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 90.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Commercial Bank of Mott sits 9.73 points higher, at 90.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $105.2M |
| Net loans and leases | $104.2M |
| Loans held for sale | $0 |
| Loans to total assets | 75.18% |
| Loan-to-deposit ratio | 90.67% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.34% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.98% |
| Consumer | 1.27% |
| Credit cards | 0.15% |
| Farm | 42.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.00% |
| Interest income on loans | $1.6M |
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 | $99.9M | $99.5M | 17.65% | 4.51% | 1.73% |
| Q4 2023 | $102.9M | $102.8M | 17.70% | 4.54% | 1.59% |
| Q1 2024 | $102.9M | $111.2M | 18.02% | 3.99% | 1.45% |
| Q2 2024 | $108.4M | $102.5M | 18.10% | 3.70% | 1.30% |
| Q3 2024 | $111.6M | $100.5M | 18.28% | 3.60% | 1.62% |
| Q4 2024 | $107.4M | $102.6M | 19.45% | 3.59% | 1.26% |
| Q1 2025 | $110.3M | $112.3M | 18.96% | 3.29% | 1.19% |
| Q2 2025 | $112.1M | $114.2M | 18.74% | 3.26% | 1.57% |
| Q3 2025 | $111.0M | $112.2M | 18.21% | 2.96% | 1.16% |
| Q4 2025 | $102.0M | $112.9M | 12.37% | 3.59% | 1.28% |
| Q1 2026 | $100.7M | $122.0M | 11.00% | 3.07% | 1.26% |
| Q2 2026 | $105.2M | $116.1M | 10.34% | 2.98% | 1.27% |
Commercial Bank of Mott loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Mott, 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 Commercial Bank of Mott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15741) · FFIEC NIC profile (RSSD 1008553)