First State Bank of Bigfork: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 3.54 percentage points lower than in Q2 2026, at 38.51%. First State Bank of Bigfork ranks 115th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 79.92% (Q3 2026). At 80.78%, First State Bank of Bigfork's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $83.3M |
| Net loans and leases | $82.1M |
| Loans held for sale | $0 |
| Loans to total assets | 70.08% |
| Loan-to-deposit ratio | 80.78% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.39% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.95% |
| Consumer | 8.08% |
| Credit cards | 0.00% |
| Farm | 9.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.51% |
| Construction concentration (Tier 1 capital + allowance) | 33.06% |
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 | 6.81% |
| Interest income on loans | $1.4M |
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 | $80.9M | $87.7M | 11.69% | 15.16% | 12.04% |
| Q1 2024 | $81.2M | $91.4M | 10.51% | 14.77% | 11.84% |
| Q2 2024 | $83.5M | $88.6M | 10.44% | 14.96% | 11.77% |
| Q3 2024 | $84.9M | $90.2M | 9.97% | 14.71% | 11.11% |
| Q4 2024 | $85.0M | $92.7M | 9.87% | 13.94% | 10.45% |
| Q1 2025 | $83.0M | $95.7M | 9.93% | 12.70% | 9.95% |
| Q2 2025 | $82.8M | $94.2M | 9.56% | 12.93% | 10.00% |
| Q3 2025 | $82.7M | $95.2M | 9.25% | 12.55% | 9.67% |
| Q4 2025 | $82.1M | $97.8M | 9.42% | 12.43% | 9.19% |
| Q1 2026 | $80.3M | $102.2M | 9.55% | 12.33% | 8.46% |
| Q2 2026 | $80.9M | $101.3M | 9.50% | 11.88% | 8.49% |
| Q3 2026 | $83.3M | $103.1M | 9.39% | 10.95% | 8.08% |
First State Bank of Bigfork loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Bigfork, 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 State Bank of Bigfork profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10991) · FFIEC NIC profile (RSSD 364850)