The Dolores State 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 Construction concentration (Tier 1 capital + allowance): 2.59 percentage points higher than in Q1 2026, at 64.79%. The Dolores State Bank ranks 18th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 93.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Dolores State Bank sits 12.61 points higher, at 93.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $333.9M |
| Net loans and leases | $329.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.18% |
| Loan-to-deposit ratio | 93.45% |
| Net loans to equity capital | 4.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.16% |
| Multifamily (5+ residential) | 0.15% |
| Commercial and industrial | 4.42% |
| Consumer | 6.56% |
| Credit cards | 0.00% |
| Farm | 4.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.11% |
| Construction concentration (Tier 1 capital + allowance) | 64.79% |
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 | 6.82% |
| Interest income on loans | $5.6M |
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 | $262.5M | $323.1M | 15.12% | 3.17% | 7.07% |
| Q4 2023 | $268.2M | $318.8M | 15.33% | 3.15% | 7.18% |
| Q1 2024 | $272.6M | $329.4M | 16.15% | 3.06% | 7.21% |
| Q2 2024 | $277.6M | $340.1M | 16.53% | 3.26% | 7.11% |
| Q3 2024 | $285.1M | $344.4M | 17.13% | 3.23% | 7.01% |
| Q4 2024 | $286.5M | $348.2M | 17.91% | 3.31% | 6.82% |
| Q1 2025 | $287.9M | $352.2M | 17.96% | 3.32% | 6.59% |
| Q2 2025 | $299.4M | $345.6M | 17.76% | 4.26% | 6.39% |
| Q3 2025 | $316.5M | $346.0M | 17.84% | 3.80% | 6.04% |
| Q4 2025 | $320.1M | $353.2M | 18.85% | 3.44% | 6.07% |
| Q1 2026 | $323.0M | $354.6M | 18.73% | 3.68% | 6.86% |
| Q2 2026 | $333.9M | $357.3M | 18.16% | 4.42% | 6.56% |
The Dolores State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Dolores State 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 The Dolores State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17959) · FFIEC NIC profile (RSSD 63050)