Dakota Western 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 4.98 percentage points in Q2 2026, from 78.59% to 83.57%. It was the largest change from Q1 2026 among the key lines here. Dakota Western Bank ranks 24th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 83.57% (Q2 2026). Dakota Western Bank reported 83.57% on loan-to-deposit ratio for Q2 2026, 2.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.2M |
| Net loans and leases | $296.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.61% |
| Loan-to-deposit ratio | 83.57% |
| Net loans to equity capital | 7.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.92% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 22.88% |
| Consumer | 3.74% |
| Credit cards | 0.00% |
| Farm | 25.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.49% |
| Construction concentration (Tier 1 capital + allowance) | 1.45% |
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 | 6.85% |
| Interest income on loans | $5.0M |
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 | $240.1M | $325.0M | 3.15% | 14.98% | 3.48% |
| Q4 2023 | $243.6M | $341.1M | 3.16% | 15.52% | 3.72% |
| Q1 2024 | $246.3M | $325.3M | 3.66% | 17.55% | 3.32% |
| Q2 2024 | $261.1M | $342.7M | 3.60% | 18.60% | 3.15% |
| Q3 2024 | $258.4M | $353.0M | 3.71% | 19.11% | 3.22% |
| Q4 2024 | $246.5M | $358.3M | 3.66% | 16.95% | 4.74% |
| Q1 2025 | $247.4M | $342.6M | 3.57% | 17.38% | 4.58% |
| Q2 2025 | $255.8M | $346.2M | 3.24% | 17.31% | 4.53% |
| Q3 2025 | $273.4M | $342.5M | 3.03% | 19.94% | 4.75% |
| Q4 2025 | $276.8M | $368.9M | 3.26% | 21.76% | 4.38% |
| Q1 2026 | $280.5M | $356.9M | 3.28% | 23.41% | 4.03% |
| Q2 2026 | $302.2M | $361.6M | 2.92% | 22.88% | 3.74% |
Dakota Western Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Western 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 Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8637) · FFIEC NIC profile (RSSD 827458)