Del Norte Bank, a Savings and Loan Association: 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.
Cre concentration (tier 1 capital + allowance) dropped 5.90 percentage points in Q2 2026, from 148.55% to 142.65%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Del Norte Bank, a Savings and Loan Association is 8th of 63 on loan-to-deposit ratio, 99.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Del Norte Bank, a Savings and Loan Association sits 18.38 points higher, at 99.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $126.2M |
| Net loans and leases | $124.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.25% |
| Loan-to-deposit ratio | 99.21% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.22% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.99% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 17.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.65% |
| Construction concentration (Tier 1 capital + allowance) | 40.41% |
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 | 7.26% |
| Interest income on loans | $2.3M |
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 | $114.5M | $124.7M | 25.25% | 3.31% | 1.02% |
| Q4 2023 | $114.4M | $115.2M | 26.20% | 3.25% | 0.97% |
| Q1 2024 | $112.6M | $119.3M | 26.13% | 3.09% | 0.89% |
| Q2 2024 | $115.3M | $116.7M | 26.68% | 3.06% | 0.75% |
| Q3 2024 | $113.9M | $125.0M | 27.18% | 3.07% | 0.72% |
| Q4 2024 | $114.1M | $120.2M | 26.79% | 2.10% | 0.72% |
| Q1 2025 | $115.1M | $118.0M | 26.87% | 2.05% | 0.67% |
| Q2 2025 | $120.3M | $123.0M | 26.80% | 1.82% | 0.65% |
| Q3 2025 | $119.5M | $121.8M | 27.37% | 2.38% | 0.89% |
| Q4 2025 | $124.0M | $121.2M | 29.00% | 2.14% | 1.04% |
| Q1 2026 | $125.2M | $123.0M | 31.00% | 2.18% | 0.94% |
| Q2 2026 | $126.2M | $127.2M | 31.22% | 1.99% | 0.81% |
Del Norte Bank, a Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Del Norte Bank, a Savings and Loan Association, 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 Del Norte Bank, a Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29066) · FFIEC NIC profile (RSSD 705378)