First Premier 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.
CRE concentration (Tier 1 capital + allowance) dropped 6.33 percentage points in Q2 2026, from 59.81% to 53.48%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, First Premier Bank is 29th of 56 on loan-to-deposit ratio, 73.81% as of Q2 2026. First Premier Bank reported 73.81% on loan-to-deposit ratio for Q2 2026, 14.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.14B |
| Net loans and leases | $2.11B |
| Loans held for sale | $4.9M |
| Loans to total assets | 58.67% |
| Loan-to-deposit ratio | 73.81% |
| Net loans to equity capital | 4.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.96% |
| Multifamily (5+ residential) | 4.90% |
| Commercial and industrial | 7.61% |
| Consumer | 54.49% |
| Credit cards | 0.00% |
| Farm | 2.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.48% |
| Construction concentration (Tier 1 capital + allowance) | 22.28% |
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 | 6.21% |
| Interest income on loans | $32.8M |
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 | $2.03B | $2.32B | 11.36% | 6.50% | 60.52% |
| Q4 2023 | $2.05B | $2.44B | 12.29% | 6.32% | 59.13% |
| Q1 2024 | $2.04B | $2.63B | 12.17% | 6.57% | 59.15% |
| Q2 2024 | $2.09B | $2.57B | 11.60% | 6.76% | 58.99% |
| Q3 2024 | $2.10B | $2.57B | 11.54% | 7.20% | 57.98% |
| Q4 2024 | $2.11B | $2.85B | 11.56% | 7.02% | 55.93% |
| Q1 2025 | $2.10B | $2.61B | 11.47% | 7.12% | 55.25% |
| Q2 2025 | $2.15B | $2.55B | 11.06% | 7.36% | 54.70% |
| Q3 2025 | $2.16B | $2.66B | 11.25% | 7.70% | 54.15% |
| Q4 2025 | $2.14B | $3.46B | 11.91% | 7.38% | 53.12% |
| Q1 2026 | $2.12B | $2.85B | 12.10% | 7.98% | 52.93% |
| Q2 2026 | $2.14B | $2.89B | 10.96% | 7.61% | 54.49% |
First Premier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Premier 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 Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6085) · FFIEC NIC profile (RSSD 374653)