Dakota Heritage 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 Loan-to-deposit ratio: 4.99 percentage points higher than in Q1 2026, at 94.55%. Dakota Heritage Bank ranks 12th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 94.55% (Q2 2026). Dakota Heritage Bank reported 94.55% on loan-to-deposit ratio for Q2 2026, 13.72 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.9M |
| Net loans and leases | $342.5M |
| Loans held for sale | $0 |
| Loans to total assets | 83.23% |
| Loan-to-deposit ratio | 94.55% |
| Net loans to equity capital | 8.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.28% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.10% |
| Consumer | 5.11% |
| Credit cards | 0.08% |
| Farm | 24.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.52% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.20% |
| Construction concentration (Tier 1 capital + allowance) | 6.63% |
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 | 6.58% |
| Interest income on loans | $5.5M |
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 | $264.7M | $281.9M | 5.77% | 7.30% | 5.99% |
| Q4 2023 | $275.3M | $296.9M | 6.09% | 9.82% | 5.90% |
| Q1 2024 | $274.0M | $319.6M | 6.69% | 9.38% | 6.07% |
| Q2 2024 | $287.3M | $315.1M | 6.47% | 8.39% | 6.06% |
| Q3 2024 | $305.7M | $321.5M | 6.50% | 7.57% | 5.73% |
| Q4 2024 | $307.5M | $336.9M | 8.02% | 7.16% | 5.52% |
| Q1 2025 | $312.9M | $366.9M | 8.35% | 7.58% | 5.47% |
| Q2 2025 | $335.4M | $351.3M | 8.26% | 6.41% | 5.34% |
| Q3 2025 | $343.5M | $356.7M | 9.45% | 5.58% | 5.18% |
| Q4 2025 | $350.3M | $357.7M | 9.48% | 6.66% | 5.16% |
| Q1 2026 | $339.0M | $378.5M | 9.91% | 6.58% | 5.32% |
| Q2 2026 | $346.9M | $366.8M | 10.28% | 6.10% | 5.11% |
Dakota Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Heritage 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 Dakota Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16231) · FFIEC NIC profile (RSSD 860352)