Cortrust Bank N.A.: 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.
Loans held for sale climbed 165.4% in Q2 2026, from $2.6M to $7.0M. It was the largest change from Q1 2026 among the key lines here. Cortrust Bank N.A. ranks 30th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 73.77% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cortrust Bank N.A. sits 14.44 points lower, at 73.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.01B |
| Net loans and leases | $1.00B |
| Loans held for sale | $7.0M |
| Loans to total assets | 64.87% |
| Loan-to-deposit ratio | 73.77% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.33% |
| Multifamily (5+ residential) | 7.49% |
| Commercial and industrial | 17.03% |
| Consumer | 2.85% |
| Credit cards | 1.61% |
| Farm | 6.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.06% |
| Construction concentration (Tier 1 capital + allowance) | 42.93% |
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 | $16.4M |
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 | $1.06B | $1.36B | 35.43% | 15.88% | 4.93% |
| Q4 2023 | $1.06B | $1.36B | 35.80% | 15.99% | 4.80% |
| Q1 2024 | $1.04B | $1.36B | 37.27% | 15.19% | 4.42% |
| Q2 2024 | $1.03B | $1.29B | 36.86% | 15.67% | 4.25% |
| Q3 2024 | $1.02B | $1.30B | 37.19% | 14.66% | 4.14% |
| Q4 2024 | $1.02B | $1.28B | 37.34% | 14.70% | 4.02% |
| Q1 2025 | $1.00B | $1.29B | 36.86% | 15.55% | 3.83% |
| Q2 2025 | $1.01B | $1.27B | 35.41% | 16.83% | 3.65% |
| Q3 2025 | $997.5M | $1.28B | 34.58% | 16.03% | 3.68% |
| Q4 2025 | $1.01B | $1.30B | 35.98% | 16.77% | 3.27% |
| Q1 2026 | $1.00B | $1.40B | 35.83% | 17.54% | 3.09% |
| Q2 2026 | $1.01B | $1.38B | 36.33% | 17.03% | 2.85% |
Cortrust Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6063) · FFIEC NIC profile (RSSD 61355)