The Farmers State Bank of Turton: 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.
Farm dropped 11.12 percentage points in Q2 2026, from 42.15% to 31.03%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, The Farmers State Bank of Turton is 41st of 56 on loan-to-deposit ratio, 62.07% as of Q2 2026, below the middle of the field. The Farmers State Bank of Turton reported 62.07% on loan-to-deposit ratio for Q2 2026, 5.56 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.6M |
| Net loans and leases | $21.4M |
| Loans held for sale | $0 |
| Loans to total assets | 52.48% |
| Loan-to-deposit ratio | 62.07% |
| Net loans to equity capital | 5.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.04% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.70% |
| Consumer | 2.90% |
| Credit cards | 0.00% |
| Farm | 31.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.19% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.65% |
| Interest income on loans | $381K |
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 | $11.8M | $30.1M | 0.16% | 15.29% | 4.04% |
| Q4 2023 | $13.0M | $29.1M | 0.10% | 11.79% | 4.26% |
| Q1 2024 | $12.0M | $31.6M | 0.11% | 15.73% | 4.50% |
| Q2 2024 | $16.2M | $31.6M | 0.08% | 11.53% | 3.03% |
| Q3 2024 | $16.9M | $32.5M | 0.08% | 11.55% | 3.11% |
| Q4 2024 | $17.0M | $32.4M | 0.08% | 13.53% | 2.82% |
| Q1 2025 | $16.1M | $35.4M | 0.08% | 15.87% | 2.65% |
| Q2 2025 | $18.4M | $34.8M | 0.07% | 13.45% | 3.45% |
| Q3 2025 | $18.4M | $33.7M | 0.07% | 14.10% | 2.82% |
| Q4 2025 | $18.6M | $32.7M | 0.07% | 11.62% | 2.71% |
| Q1 2026 | $19.4M | $35.2M | 0.05% | 11.19% | 2.72% |
| Q2 2026 | $21.6M | $34.9M | 0.04% | 9.70% | 2.90% |
The Farmers State Bank of Turton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Turton, 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 Farmers State Bank of Turton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6084) · FFIEC NIC profile (RSSD 496957)