Dacotah 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.
Loans held for sale climbed 85.2% in Q2 2026, from $1.9M to $3.5M. It was the largest change from Q1 2026 among the key lines here. Dacotah Bank ranks 12th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 93.86% (Q2 2026). Dacotah Bank reported 93.86% on loan-to-deposit ratio for Q2 2026, 5.66 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.08B |
| Net loans and leases | $4.03B |
| Loans held for sale | $3.5M |
| Loans to total assets | 82.92% |
| Loan-to-deposit ratio | 93.86% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.63% |
| Multifamily (5+ residential) | 3.76% |
| Commercial and industrial | 26.39% |
| Consumer | 3.93% |
| Credit cards | 0.40% |
| Farm | 16.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.97% |
| Construction concentration (Tier 1 capital + allowance) | 54.40% |
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 | 6.21% |
| Interest income on loans | $63.0M |
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 | $3.03B | $3.53B | 24.00% | 18.83% | 4.11% |
| Q4 2023 | $3.13B | $3.73B | 23.61% | 18.41% | 4.04% |
| Q1 2024 | $3.19B | $3.75B | 24.55% | 19.45% | 3.97% |
| Q2 2024 | $3.43B | $3.73B | 22.39% | 22.28% | 3.81% |
| Q3 2024 | $3.51B | $3.88B | 23.24% | 22.68% | 3.78% |
| Q4 2024 | $3.62B | $3.94B | 22.84% | 22.59% | 3.78% |
| Q1 2025 | $3.62B | $4.14B | 23.26% | 23.90% | 3.88% |
| Q2 2025 | $3.77B | $4.10B | 23.28% | 24.39% | 3.97% |
| Q3 2025 | $3.87B | $4.30B | 22.84% | 24.50% | 3.92% |
| Q4 2025 | $3.97B | $4.32B | 22.83% | 24.57% | 3.67% |
| Q1 2026 | $3.97B | $4.35B | 23.89% | 24.92% | 3.85% |
| Q2 2026 | $4.08B | $4.35B | 23.63% | 26.39% | 3.93% |
Dacotah Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dacotah 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 Dacotah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17437) · FFIEC NIC profile (RSSD 256553)