The Goose River 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.03 percentage points higher than in Q1 2026, at 88.51%. The Goose River Bank ranks 18th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 88.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Goose River Bank sits 7.67 points higher, at 88.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.4M |
| Net loans and leases | $129.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.17% |
| Loan-to-deposit ratio | 88.51% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.41% |
| Multifamily (5+ residential) | 1.55% |
| Commercial and industrial | 17.26% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 26.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.02% |
| 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 | — |
| Interest income on loans | $2.1M |
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 | $118.5M | $140.5M | 15.76% | 19.67% | 3.32% |
| Q4 2023 | $116.9M | $138.6M | 15.46% | 19.38% | 3.32% |
| Q1 2024 | $121.5M | $148.8M | 14.72% | 17.79% | 3.31% |
| Q2 2024 | $128.0M | $139.4M | 14.24% | 17.88% | 3.29% |
| Q3 2024 | $133.3M | $148.1M | 14.30% | 18.15% | 3.06% |
| Q4 2024 | $135.8M | $156.5M | 13.71% | 20.23% | 2.94% |
| Q1 2025 | $131.8M | $154.3M | 14.08% | 22.56% | 2.96% |
| Q2 2025 | $134.8M | $143.2M | 14.30% | 21.82% | 2.89% |
| Q3 2025 | $133.6M | $153.6M | 14.11% | 21.47% | 2.93% |
| Q4 2025 | $129.3M | $152.5M | 15.25% | 19.81% | 2.93% |
| Q1 2026 | $129.8M | $153.6M | 15.48% | 17.52% | 2.77% |
| Q2 2026 | $130.4M | $147.3M | 15.41% | 17.26% | 2.83% |
The Goose River Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Goose River 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 The Goose River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10236) · FFIEC NIC profile (RSSD 821157)