First Western Federal Savings Bank: 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 14.98 percentage points in Q2 2026, from 129.45% to 144.42%. It was the largest change from Q1 2026 among the key lines here. First Western Federal Savings Bank has the highest loan-to-deposit ratio of the 56 banks headquartered in South Dakota, 144.42% as of Q2 2026. First Western Federal Savings Bank's loan-to-deposit ratio of 144.42% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 76.80 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.6M |
| Net loans and leases | $58.2M |
| Loans held for sale | $0 |
| Loans to total assets | 92.18% |
| Loan-to-deposit ratio | 144.42% |
| Net loans to equity capital | 5.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.58% |
| Multifamily (5+ residential) | 3.40% |
| Commercial and industrial | 0.08% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.23% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.99% |
| Interest income on loans | $1.2M |
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 | $61.0M | $42.4M | 2.19% | 0.02% | 0.00% |
| Q4 2023 | $60.6M | $42.6M | 2.18% | 0.02% | 0.00% |
| Q1 2024 | $59.5M | $40.6M | 2.20% | 0.01% | 0.00% |
| Q2 2024 | $58.2M | $41.2M | 2.22% | 0.01% | 0.00% |
| Q3 2024 | $58.6M | $43.6M | 2.32% | 0.00% | 0.00% |
| Q4 2024 | $57.3M | $44.2M | 1.80% | 0.00% | 0.00% |
| Q1 2025 | $56.0M | $40.2M | 2.18% | 0.00% | 0.00% |
| Q2 2025 | $55.9M | $37.8M | 2.16% | 0.08% | 0.00% |
| Q3 2025 | $56.8M | $40.4M | 3.02% | 0.08% | 0.00% |
| Q4 2025 | $56.4M | $44.3M | 3.57% | 0.08% | 0.00% |
| Q1 2026 | $57.0M | $44.0M | 3.72% | 0.08% | 0.00% |
| Q2 2026 | $58.6M | $40.6M | 3.58% | 0.08% | 0.00% |
First Western Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Western Federal Savings Bank, 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 Western Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31972) · FFIEC NIC profile (RSSD 715470)