First Bank & Trust: 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 5.91 percentage points in Q2 2026, from 201.99% to 196.09%. It was the largest change from Q1 2026 among the key lines here. First Bank & Trust ranks 23rd of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 85.70% (Q2 2026). At 85.70%, First Bank & Trust's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.57B |
| Net loans and leases | $3.53B |
| Loans held for sale | $86.3M |
| Loans to total assets | 74.65% |
| Loan-to-deposit ratio | 85.70% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.35% |
| Multifamily (5+ residential) | 8.05% |
| Commercial and industrial | 23.67% |
| Consumer | 3.26% |
| Credit cards | 2.50% |
| Farm | 6.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.09% |
| Construction concentration (Tier 1 capital + allowance) | 47.00% |
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 | 6.58% |
| Interest income on loans | $57.4M |
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 | $3.41B | $3.78B | 26.68% | 21.38% | 3.44% |
| Q4 2023 | $3.56B | $3.85B | 26.92% | 20.34% | 3.81% |
| Q1 2024 | $3.52B | $3.92B | 28.09% | 19.87% | 3.06% |
| Q2 2024 | $3.57B | $3.80B | 27.89% | 20.00% | 2.92% |
| Q3 2024 | $3.58B | $3.92B | 28.06% | 19.72% | 2.72% |
| Q4 2024 | $3.56B | $3.96B | 27.73% | 19.89% | 2.95% |
| Q1 2025 | $3.50B | $4.08B | 28.92% | 20.27% | 2.66% |
| Q2 2025 | $3.48B | $4.06B | 29.82% | 20.39% | 2.77% |
| Q3 2025 | $3.47B | $4.03B | 29.78% | 20.41% | 2.77% |
| Q4 2025 | $3.48B | $4.09B | 29.78% | 20.19% | 3.10% |
| Q1 2026 | $3.47B | $4.26B | 29.50% | 22.24% | 2.83% |
| Q2 2026 | $3.57B | $4.17B | 28.35% | 23.67% | 3.26% |
First Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust, 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 First Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3973) · FFIEC NIC profile (RSSD 77851)