First Dakota 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 CRE concentration (Tier 1 capital + allowance): 12.64 percentage points lower than in Q1 2026, at 221.29%. Within South Dakota, First Dakota National Bank is 7th of 56 on loan-to-deposit ratio, 97.03% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Dakota National Bank sits 8.83 points higher, at 97.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.87B |
| Net loans and leases | $2.84B |
| Loans held for sale | $7.4M |
| Loans to total assets | 84.72% |
| Loan-to-deposit ratio | 97.03% |
| Net loans to equity capital | 8.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.96% |
| Multifamily (5+ residential) | 3.86% |
| Commercial and industrial | 12.50% |
| Consumer | 0.87% |
| Credit cards | 0.07% |
| Farm | 18.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.29% |
| Construction concentration (Tier 1 capital + allowance) | 43.54% |
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 | 6.65% |
| Interest income on loans | $47.1M |
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 | $2.31B | $2.61B | 34.56% | 12.43% | 1.40% |
| Q4 2023 | $2.32B | $2.68B | 35.49% | 11.80% | 1.35% |
| Q1 2024 | $2.29B | $2.64B | 36.11% | 12.12% | 1.28% |
| Q2 2024 | $2.36B | $2.61B | 36.14% | 11.78% | 1.25% |
| Q3 2024 | $2.36B | $2.62B | 38.43% | 11.50% | 1.18% |
| Q4 2024 | $2.42B | $2.63B | 38.11% | 11.11% | 1.10% |
| Q1 2025 | $2.47B | $2.70B | 37.45% | 11.48% | 1.06% |
| Q2 2025 | $2.57B | $2.74B | 36.07% | 12.05% | 1.02% |
| Q3 2025 | $2.67B | $2.80B | 37.23% | 11.52% | 0.97% |
| Q4 2025 | $2.75B | $2.85B | 36.92% | 10.94% | 0.93% |
| Q1 2026 | $2.81B | $2.96B | 37.62% | 11.80% | 0.88% |
| Q2 2026 | $2.87B | $2.96B | 37.96% | 12.50% | 0.87% |
First Dakota National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Dakota 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 First Dakota National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4028) · FFIEC NIC profile (RSSD 441256)