First State Bank & Trust: 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 CRE concentration (Tier 1 capital + allowance): 5.74 percentage points lower than in Q1 2026, at 64.49%. Within North Dakota, First State Bank & Trust is 53rd of 60 on loan-to-deposit ratio, 45.43% as of Q2 2026. First State Bank & Trust reported 45.43% on loan-to-deposit ratio for Q2 2026, 35.13 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.7M |
| Net loans and leases | $208.5M |
| Loans held for sale | $0 |
| Loans to total assets | 39.02% |
| Loan-to-deposit ratio | 45.43% |
| Net loans to equity capital | 2.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.01% |
| Multifamily (5+ residential) | 2.63% |
| Commercial and industrial | 16.06% |
| Consumer | 9.13% |
| Credit cards | 0.38% |
| Farm | 5.57% |
| Loans to depository institutions | 0.17% |
| State and political subdivisions | 4.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.49% |
| Construction concentration (Tier 1 capital + allowance) | 8.15% |
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 | 7.37% |
| Interest income on loans | $3.9M |
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 | $174.8M | $434.1M | 47.39% | 18.48% | 4.78% |
| Q4 2023 | $188.2M | $446.7M | 43.32% | 20.71% | 5.20% |
| Q1 2024 | $180.5M | $459.0M | 44.58% | 21.68% | 5.79% |
| Q2 2024 | $187.6M | $457.3M | 43.35% | 20.11% | 8.44% |
| Q3 2024 | $192.6M | $470.0M | 42.26% | 18.34% | 8.30% |
| Q4 2024 | $191.9M | $477.0M | 43.88% | 14.65% | 8.32% |
| Q1 2025 | $187.5M | $487.2M | 44.80% | 14.30% | 8.94% |
| Q2 2025 | $195.2M | $468.5M | 42.12% | 16.10% | 8.70% |
| Q3 2025 | $199.1M | $457.9M | 43.06% | 14.49% | 8.10% |
| Q4 2025 | $212.2M | $461.5M | 42.94% | 16.64% | 8.24% |
| Q1 2026 | $210.2M | $464.4M | 44.39% | 16.74% | 8.40% |
| Q2 2026 | $211.7M | $466.0M | 43.01% | 16.06% | 9.13% |
First State Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14801) · FFIEC NIC profile (RSSD 248455)