First State Bank of Forsyth: 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 Q2 2026 was in Loan-to-deposit ratio: 6.12 percentage points higher than in Q1 2026, at 63.68%. Within Montana, First State Bank of Forsyth is 25th of 35 on loan-to-deposit ratio, 63.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Forsyth sits 17.16 points lower, at 63.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.3M |
| Net loans and leases | $89.3M |
| Loans held for sale | $0 |
| Loans to total assets | 55.14% |
| Loan-to-deposit ratio | 63.68% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.14% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 12.35% |
| Consumer | 5.56% |
| Credit cards | 0.00% |
| Farm | 18.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.26% |
| Construction concentration (Tier 1 capital + allowance) | 11.37% |
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 | 7.44% |
| Interest income on loans | $1.6M |
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 | $78.0M | $125.2M | 10.73% | 15.12% | 5.79% |
| Q4 2023 | $74.0M | $126.7M | 11.99% | 15.25% | 6.20% |
| Q1 2024 | $76.0M | $122.9M | 11.46% | 15.45% | 5.10% |
| Q2 2024 | $77.6M | $124.8M | 11.28% | 16.68% | 5.46% |
| Q3 2024 | $79.8M | $133.6M | 11.25% | 13.58% | 5.56% |
| Q4 2024 | $73.5M | $147.2M | 12.47% | 13.81% | 6.58% |
| Q1 2025 | $75.1M | $135.3M | 13.08% | 13.83% | 6.82% |
| Q2 2025 | $77.8M | $131.6M | 13.85% | 14.18% | 7.15% |
| Q3 2025 | $83.9M | $139.1M | 14.66% | 14.81% | 6.58% |
| Q4 2025 | $80.4M | $148.7M | 16.35% | 16.25% | 6.22% |
| Q1 2026 | $84.0M | $145.9M | 17.38% | 13.10% | 5.83% |
| Q2 2026 | $91.3M | $143.4M | 15.14% | 12.35% | 5.56% |
First State Bank of Forsyth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forsyth, 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 Forsyth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8317) · FFIEC NIC profile (RSSD 597658)