First Security Bank of Roundup: 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.
Farm climbed 2.70 percentage points in Q2 2026, from 2.24% to 4.93%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Security Bank of Roundup is 4th from the bottom among 35 Montana banks, 38.45% (Q2 2026). First Security Bank of Roundup reported 38.45% on loan-to-deposit ratio for Q2 2026, 29.18 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.4M |
| Net loans and leases | $30.8M |
| Loans held for sale | $0 |
| Loans to total assets | 33.26% |
| Loan-to-deposit ratio | 38.45% |
| Net loans to equity capital | 2.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.73% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 38.29% |
| Consumer | 9.50% |
| Credit cards | 0.00% |
| Farm | 4.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.76% |
| Construction concentration (Tier 1 capital + allowance) | 1.27% |
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 | — |
| Interest income on loans | $554K |
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 | $26.3M | $74.6M | 3.29% | 31.52% | 8.38% |
| Q4 2023 | $24.9M | $78.4M | 3.52% | 33.93% | 9.04% |
| Q1 2024 | $25.6M | $73.2M | 3.38% | 33.86% | 11.24% |
| Q2 2024 | $27.1M | $71.9M | 3.13% | 34.98% | 11.37% |
| Q3 2024 | $27.5M | $67.4M | 3.03% | 34.00% | 11.34% |
| Q4 2024 | $25.9M | $78.6M | 3.16% | 36.10% | 12.04% |
| Q1 2025 | $27.0M | $76.5M | 2.94% | 33.19% | 12.57% |
| Q2 2025 | $28.9M | $76.6M | 2.72% | 34.17% | 11.88% |
| Q3 2025 | $30.4M | $73.9M | 2.55% | 33.77% | 11.35% |
| Q4 2025 | $27.3M | $81.1M | 2.81% | 38.81% | 11.99% |
| Q1 2026 | $29.1M | $80.6M | 1.91% | 40.71% | 10.21% |
| Q2 2026 | $31.4M | $81.8M | 1.73% | 38.29% | 9.50% |
First Security Bank of Roundup loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank of Roundup, 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 Security Bank of Roundup profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20479) · FFIEC NIC profile (RSSD 625056)