Garfield County 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 dropped 4.43 percentage points in Q2 2026, from 57.53% to 53.10%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Garfield County Bank is 30th of 35 on loan-to-deposit ratio, 53.10% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Garfield County Bank sits 27.73 points lower, at 53.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $48.1M |
| Net loans and leases | $47.5M |
| Loans held for sale | $0 |
| Loans to total assets | 44.54% |
| Loan-to-deposit ratio | 53.10% |
| Net loans to equity capital | 2.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.08% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.55% |
| Consumer | 3.36% |
| Credit cards | 0.58% |
| Farm | 22.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.36% |
| 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 | 8.10% |
| Interest income on loans | $949K |
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 | $54.0M | $72.5M | 11.10% | 8.19% | 2.66% |
| Q4 2023 | $48.8M | $80.0M | 11.71% | 9.63% | 2.94% |
| Q1 2024 | $49.1M | $72.0M | 11.73% | 9.76% | 3.13% |
| Q2 2024 | $53.5M | $70.5M | 10.33% | 9.02% | 2.92% |
| Q3 2024 | $56.7M | $71.0M | 9.90% | 8.87% | 3.11% |
| Q4 2024 | $50.7M | $77.1M | 10.81% | 8.82% | 3.54% |
| Q1 2025 | $50.1M | $75.3M | 10.79% | 9.17% | 3.78% |
| Q2 2025 | $50.4M | $77.9M | 11.05% | 8.98% | 3.75% |
| Q3 2025 | $51.9M | $76.6M | 10.58% | 8.76% | 3.50% |
| Q4 2025 | $48.3M | $87.5M | 10.72% | 11.31% | 3.31% |
| Q1 2026 | $47.2M | $82.1M | 11.50% | 10.49% | 3.68% |
| Q2 2026 | $48.1M | $90.6M | 11.08% | 10.55% | 3.36% |
Garfield County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Garfield County 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 Garfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18164) · FFIEC NIC profile (RSSD 608358)