DNB National 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 Commercial real estate (nonfarm nonresidential): 2.44 percentage points lower than in Q1 2026, at 3.88%. On loan-to-deposit ratio, DNB National Bank is 2nd from the bottom among 56 South Dakota banks, 26.77% (Q2 2026). DNB National Bank's loan-to-deposit ratio of 26.77% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 53.78 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.6M |
| Net loans and leases | $30.1M |
| Loans held for sale | $0 |
| Loans to total assets | 24.66% |
| Loan-to-deposit ratio | 26.77% |
| Net loans to equity capital | 3.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.88% |
| Multifamily (5+ residential) | 0.78% |
| Commercial and industrial | 27.85% |
| Consumer | 5.73% |
| Credit cards | 0.00% |
| Farm | 16.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.33% |
| Construction concentration (Tier 1 capital + allowance) | 19.12% |
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 | 6.89% |
| Interest income on loans | $463K |
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 | $28.4M | $95.8M | 8.46% | 25.92% | 8.03% |
| Q4 2023 | $29.9M | $102.3M | 6.14% | 26.07% | 7.59% |
| Q1 2024 | $29.6M | $99.4M | 6.14% | 29.78% | 7.37% |
| Q2 2024 | $30.1M | $98.4M | 5.98% | 30.30% | 7.24% |
| Q3 2024 | $29.1M | $100.0M | 7.01% | 29.40% | 9.04% |
| Q4 2024 | $28.6M | $99.5M | 7.06% | 30.44% | 9.25% |
| Q1 2025 | $28.2M | $101.4M | 7.34% | 28.53% | 9.15% |
| Q2 2025 | $29.7M | $106.9M | 5.79% | 27.26% | 8.75% |
| Q3 2025 | $31.3M | $105.7M | 5.42% | 28.03% | 10.02% |
| Q4 2025 | $32.1M | $106.1M | 5.22% | 26.31% | 9.00% |
| Q1 2026 | $29.2M | $109.9M | 6.33% | 27.80% | 6.08% |
| Q2 2026 | $30.6M | $114.3M | 3.88% | 27.85% | 5.73% |
DNB National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock DNB National 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 DNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3977) · FFIEC NIC profile (RSSD 401559)