First 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.
Loan-to-deposit ratio climbed 3.93 percentage points in Q2 2026, from 100.05% to 103.98%. It was the largest change from Q1 2026 among the key lines here. Among 56 South Dakota banks, First National Bank sits 3rd from the top on loan-to-deposit ratio, 103.98% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank sits 15.78 points higher, at 103.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.57B |
| Net loans and leases | $1.49B |
| Loans held for sale | $2.4M |
| Loans to total assets | 77.31% |
| Loan-to-deposit ratio | 103.98% |
| Net loans to equity capital | 3.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.24% |
| Multifamily (5+ residential) | 9.47% |
| Commercial and industrial | 10.59% |
| Consumer | 12.08% |
| Credit cards | 11.77% |
| Farm | 5.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.79% |
| Construction concentration (Tier 1 capital + allowance) | 24.89% |
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 | 10.03% |
| Interest income on loans | $38.9M |
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 | $1.36B | $1.26B | 35.72% | 11.09% | 16.86% |
| Q4 2023 | $1.35B | $1.24B | 35.58% | 11.13% | 17.09% |
| Q1 2024 | $1.33B | $1.24B | 36.04% | 10.63% | 16.43% |
| Q2 2024 | $1.32B | $1.22B | 35.50% | 10.83% | 16.30% |
| Q3 2024 | $1.33B | $1.21B | 35.09% | 10.38% | 16.14% |
| Q4 2024 | $1.35B | $1.23B | 35.04% | 10.31% | 15.81% |
| Q1 2025 | $1.36B | $1.24B | 36.18% | 9.96% | 14.90% |
| Q2 2025 | $1.38B | $1.24B | 35.59% | 10.64% | 14.35% |
| Q3 2025 | $1.52B | $1.54B | 36.00% | 12.34% | 13.25% |
| Q4 2025 | $1.52B | $1.57B | 36.17% | 10.52% | 13.23% |
| Q1 2026 | $1.54B | $1.53B | 36.79% | 10.29% | 12.45% |
| Q2 2026 | $1.57B | $1.51B | 37.24% | 10.59% | 12.08% |
First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14712) · FFIEC NIC profile (RSSD 355858)