Community 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 1.94 percentage points in Q2 2026, from 68.71% to 70.65%. It was the largest change from Q1 2026 among the key lines here. Community Bank ranks 34th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 70.65% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Community Bank sits 3.02 points higher, at 70.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.5M |
| Net loans and leases | $42.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.41% |
| Loan-to-deposit ratio | 70.65% |
| Net loans to equity capital | 5.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 22.28% |
| Consumer | 9.09% |
| Credit cards | 0.00% |
| Farm | 5.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.42% |
| 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 | 7.74% |
| Interest income on loans | $823K |
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 | $29.5M | $51.8M | 0.50% | 22.35% | 10.99% |
| Q4 2023 | $30.8M | $53.3M | 0.47% | 23.58% | 10.25% |
| Q1 2024 | $31.7M | $54.0M | 0.46% | 23.11% | 10.27% |
| Q2 2024 | $33.4M | $55.7M | 0.43% | 22.40% | 10.00% |
| Q3 2024 | $34.7M | $55.3M | 0.41% | 22.46% | 10.21% |
| Q4 2024 | $36.1M | $55.8M | 0.39% | 22.29% | 9.94% |
| Q1 2025 | $36.7M | $55.2M | 0.38% | 22.26% | 9.73% |
| Q2 2025 | $38.3M | $54.8M | 0.36% | 22.07% | 9.17% |
| Q3 2025 | $40.9M | $56.6M | 0.33% | 21.74% | 8.79% |
| Q4 2025 | $42.1M | $58.0M | 0.32% | 21.98% | 8.62% |
| Q1 2026 | $42.4M | $61.7M | 0.31% | 22.09% | 8.65% |
| Q2 2026 | $42.5M | $60.2M | 0.31% | 22.28% | 9.09% |
Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1687) · FFIEC NIC profile (RSSD 276953)