D.L. Evans 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 dropped 64.5% in Q2 2026, from $2.2M to $796K. It was the largest change from Q1 2026 among the key lines here. D.L. Evans Bank has the 1st lowest loan-to-deposit ratio of the 10 banks headquartered in Idaho, at 57.19% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. D.L. Evans Bank sits 31.01 points lower, at 57.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.81B |
| Net loans and leases | $1.79B |
| Loans held for sale | $796K |
| Loans to total assets | 48.91% |
| Loan-to-deposit ratio | 57.19% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.09% |
| Multifamily (5+ residential) | 3.32% |
| Commercial and industrial | 7.41% |
| Consumer | 1.96% |
| Credit cards | 0.55% |
| Farm | 11.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.84% |
| Construction concentration (Tier 1 capital + allowance) | 51.22% |
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 | 7.10% |
| Interest income on loans | $32.0M |
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 | $1.48B | $2.58B | 36.87% | 8.48% | 2.49% |
| Q4 2023 | $1.49B | $2.62B | 38.15% | 8.63% | 2.38% |
| Q1 2024 | $1.49B | $2.62B | 38.06% | 8.95% | 2.35% |
| Q2 2024 | $1.56B | $2.65B | 38.33% | 8.58% | 2.25% |
| Q3 2024 | $1.60B | $2.76B | 37.45% | 8.43% | 2.27% |
| Q4 2024 | $1.60B | $2.89B | 39.05% | 8.35% | 2.20% |
| Q1 2025 | $1.62B | $2.86B | 39.39% | 8.51% | 2.13% |
| Q2 2025 | $1.69B | $2.95B | 38.67% | 8.24% | 2.05% |
| Q3 2025 | $1.74B | $2.98B | 38.32% | 7.94% | 2.10% |
| Q4 2025 | $1.75B | $3.14B | 38.81% | 7.65% | 1.99% |
| Q1 2026 | $1.78B | $3.13B | 38.05% | 7.69% | 1.97% |
| Q2 2026 | $1.81B | $3.17B | 37.09% | 7.41% | 1.96% |
D.L. Evans Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock D.L. Evans 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 D.L. Evans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11666) · FFIEC NIC profile (RSSD 543262)