The First National Bank of Frederick: 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.
Consumer climbed 1.16 percentage points in Q3 2026, from 1.44% to 2.60%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Frederick is 1st from the bottom among 56 South Dakota banks, 16.87% (Q3 2026). The First National Bank of Frederick's loan-to-deposit ratio of 17.05% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 50.87 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $4.2M |
| Net loans and leases | $4.0M |
| Loans held for sale | $0 |
| Loans to total assets | 15.10% |
| Loan-to-deposit ratio | 17.05% |
| Net loans to equity capital | 1.35% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.65% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.98% |
| Consumer | 2.60% |
| Credit cards | 0.79% |
| Farm | 22.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.29% |
| Interest income on loans | $66K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $8.3M | $28.4M | 0.39% | 13.35% | 0.70% |
| Q1 2024 | $6.6M | $24.6M | 0.47% | 19.85% | 0.80% |
| Q2 2024 | $6.1M | $25.9M | 0.51% | 15.87% | 1.16% |
| Q3 2024 | $6.3M | $26.8M | 0.50% | 15.53% | 1.04% |
| Q4 2024 | $9.3M | $29.5M | 0.32% | 9.57% | 0.65% |
| Q1 2025 | $4.8M | $27.8M | 0.63% | 18.63% | 1.36% |
| Q2 2025 | $5.4M | $25.3M | 0.53% | 18.21% | 1.09% |
| Q3 2025 | $5.6M | $22.6M | 0.52% | 16.69% | 1.21% |
| Q4 2025 | $7.9M | $22.6M | 0.35% | 11.16% | 0.62% |
| Q1 2026 | $3.8M | $25.1M | 0.00% | 21.93% | 1.62% |
| Q2 2026 | $4.3M | $25.5M | 0.65% | 18.98% | 1.44% |
| Q3 2026 | $4.2M | $24.4M | 0.65% | 18.98% | 2.60% |
The First National Bank of Frederick loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Frederick, 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 First National Bank of Frederick profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3985) · FFIEC NIC profile (RSSD 288152)