First State Bank of Harvey: 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: 7.00 percentage points higher than in Q1 2026, at 41.60%. First State Bank of Harvey has the 5th lowest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, at 41.60% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First State Bank of Harvey sits 26.03 points lower, at 41.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $35.2M |
| Net loans and leases | $34.8M |
| Loans held for sale | $0 |
| Loans to total assets | 37.18% |
| Loan-to-deposit ratio | 41.60% |
| Net loans to equity capital | 4.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.06% |
| Multifamily (5+ residential) | 1.34% |
| Commercial and industrial | 8.97% |
| Consumer | 11.41% |
| Credit cards | 0.30% |
| Farm | 20.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.05% |
| Construction concentration (Tier 1 capital + allowance) | 15.35% |
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 | 6.38% |
| Interest income on loans | $532K |
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 | $31.6M | $79.8M | 13.91% | 7.82% | 9.00% |
| Q4 2023 | $31.0M | $82.2M | 14.04% | 7.33% | 9.06% |
| Q1 2024 | $28.4M | $84.8M | 15.14% | 7.81% | 10.34% |
| Q2 2024 | $30.7M | $82.8M | 16.19% | 6.63% | 10.19% |
| Q3 2024 | $32.8M | $81.0M | 14.93% | 7.61% | 10.02% |
| Q4 2024 | $33.1M | $82.4M | 15.00% | 8.55% | 10.51% |
| Q1 2025 | $28.1M | $88.5M | 17.98% | 8.83% | 12.40% |
| Q2 2025 | $31.8M | $85.0M | 16.61% | 7.83% | 10.40% |
| Q3 2025 | $34.4M | $87.6M | 15.89% | 6.84% | 12.25% |
| Q4 2025 | $36.4M | $86.1M | 18.23% | 8.11% | 11.40% |
| Q1 2026 | $31.8M | $91.9M | 21.35% | 8.94% | 12.67% |
| Q2 2026 | $35.2M | $84.6M | 18.06% | 8.97% | 11.41% |
First State Bank of Harvey loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Harvey, 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 Harvey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8383) · FFIEC NIC profile (RSSD 997557)