First State Bank of Roscoe: 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 5.01 percentage points in Q2 2026, from 57.13% to 62.14%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Roscoe ranks 40th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 62.14% (Q2 2026). First State Bank of Roscoe reported 62.14% on loan-to-deposit ratio for Q2 2026, 18.70 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.2M |
| Net loans and leases | $77.2M |
| Loans held for sale | $0 |
| Loans to total assets | 52.99% |
| Loan-to-deposit ratio | 62.14% |
| Net loans to equity capital | 3.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.44% |
| Multifamily (5+ residential) | 0.47% |
| Commercial and industrial | 8.18% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 43.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.14% |
| Construction concentration (Tier 1 capital + allowance) | 14.57% |
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 | 6.60% |
| Interest income on loans | $1.3M |
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 | $65.9M | $112.7M | 7.60% | 8.85% | 1.31% |
| Q4 2023 | $67.4M | $119.4M | 8.84% | 8.79% | 1.06% |
| Q1 2024 | $66.2M | $121.9M | 6.63% | 10.73% | 1.09% |
| Q2 2024 | $71.7M | $117.2M | 5.62% | 10.48% | 1.09% |
| Q3 2024 | $76.2M | $115.8M | 5.29% | 10.26% | 1.11% |
| Q4 2024 | $75.2M | $111.2M | 5.51% | 9.91% | 1.14% |
| Q1 2025 | $73.8M | $118.1M | 5.51% | 10.19% | 1.07% |
| Q2 2025 | $73.2M | $117.9M | 5.65% | 9.72% | 1.06% |
| Q3 2025 | $71.9M | $118.2M | 7.50% | 8.53% | 1.03% |
| Q4 2025 | $73.8M | $125.0M | 6.94% | 8.65% | 0.98% |
| Q1 2026 | $74.9M | $131.0M | 6.86% | 7.99% | 0.93% |
| Q2 2026 | $78.2M | $125.8M | 8.44% | 8.18% | 1.19% |
First State Bank of Roscoe loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Roscoe, 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 Roscoe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9005) · FFIEC NIC profile (RSSD 189950)