The First State Bank of Malta: 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.
Loan-to-deposit ratio climbed 4.77 percentage points in Q2 2026, from 36.96% to 41.73%. It was the largest change from Q1 2026 among the key lines here. The First State Bank of Malta ranks 31st of 35 Montana banks on loan-to-deposit ratio, in the lower half at 41.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First State Bank of Malta sits 39.11 points lower, at 41.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.8M |
| Net loans and leases | $66.9M |
| Loans held for sale | $0 |
| Loans to total assets | 36.28% |
| Loan-to-deposit ratio | 41.73% |
| Net loans to equity capital | 2.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.27% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.99% |
| Consumer | 4.60% |
| Credit cards | 0.00% |
| Farm | 44.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.34% |
| Construction concentration (Tier 1 capital + allowance) | 2.05% |
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 | 6.85% |
| Interest income on loans | $1.1M |
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 | $65.2M | $139.4M | 5.40% | 4.94% | 4.14% |
| Q4 2023 | $59.4M | $150.6M | 6.03% | 4.98% | 4.40% |
| Q1 2024 | $60.4M | $146.5M | 4.57% | 6.76% | 4.15% |
| Q2 2024 | $66.1M | $147.2M | 4.07% | 7.55% | 3.97% |
| Q3 2024 | $68.0M | $153.4M | 3.64% | 9.05% | 3.82% |
| Q4 2024 | $66.6M | $145.6M | 3.54% | 10.81% | 4.05% |
| Q1 2025 | $66.7M | $147.1M | 3.42% | 12.13% | 4.07% |
| Q2 2025 | $70.2M | $152.0M | 3.31% | 10.97% | 4.48% |
| Q3 2025 | $67.2M | $148.9M | 3.94% | 10.00% | 5.03% |
| Q4 2025 | $59.8M | $176.2M | 6.00% | 11.02% | 5.69% |
| Q1 2026 | $62.6M | $169.4M | 7.38% | 10.21% | 4.90% |
| Q2 2026 | $68.8M | $164.9M | 7.27% | 9.99% | 4.60% |
The First State Bank of Malta loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Malta, 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 The First State Bank of Malta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1982) · FFIEC NIC profile (RSSD 615253)