The Converse 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.31 percentage points lower than in Q1 2026, at 24.43%. On loan-to-deposit ratio, The Converse County Bank is 2nd from the bottom among 23 Wyoming banks, 31.47% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, The Converse County Bank reported 31.47% on loan-to-deposit ratio in Q2 2026, 56.73 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $309.3M |
| Net loans and leases | $305.9M |
| Loans held for sale | $407K |
| Loans to total assets | 28.29% |
| Loan-to-deposit ratio | 31.47% |
| Net loans to equity capital | 2.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 34.83% |
| Consumer | 10.89% |
| Credit cards | 0.90% |
| Farm | 14.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.43% |
| Construction concentration (Tier 1 capital + allowance) | 1.79% |
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 | — |
| Interest income on loans | $4.7M |
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 | $262.9M | $813.7M | 12.77% | 30.86% | 10.11% |
| Q4 2023 | $265.5M | $832.0M | 13.37% | 32.38% | 9.79% |
| Q1 2024 | $263.8M | $861.1M | 12.80% | 32.49% | 9.96% |
| Q2 2024 | $271.6M | $844.4M | 12.19% | 32.11% | 10.10% |
| Q3 2024 | $271.1M | $825.1M | 11.59% | 32.10% | 10.39% |
| Q4 2024 | $275.0M | $869.6M | 12.84% | 32.11% | 11.47% |
| Q1 2025 | $284.7M | $917.1M | 12.56% | 32.65% | 11.77% |
| Q2 2025 | $298.0M | $927.6M | 11.36% | 32.79% | 12.18% |
| Q3 2025 | $301.6M | $922.0M | 11.93% | 33.01% | 10.70% |
| Q4 2025 | $303.8M | $985.5M | 12.13% | 34.90% | 9.84% |
| Q1 2026 | $304.8M | $984.5M | 12.42% | 34.79% | 10.69% |
| Q2 2026 | $309.3M | $982.6M | 11.80% | 34.83% | 10.89% |
The Converse County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Converse 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 The Converse County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12591) · FFIEC NIC profile (RSSD 72258)