Grant County State 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 11.97 percentage points in Q2 2026, from 56.59% to 68.57%. It was the largest change from Q1 2026 among the key lines here. Grant County State Bank ranks 36th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 68.57% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio; Grant County State Bank reported 68.57% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $27.5M |
| Net loans and leases | $27.2M |
| Loans held for sale | $0 |
| Loans to total assets | 58.88% |
| Loan-to-deposit ratio | 68.57% |
| Net loans to equity capital | 4.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.94% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 41.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 6.90% |
| Interest income on loans | $429K |
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 | $29.6M | $34.6M | 0.13% | 0.50% | 0.41% |
| Q4 2023 | $27.4M | $37.3M | 0.11% | 0.43% | 0.63% |
| Q1 2024 | $26.5M | $38.3M | 0.11% | 0.47% | 0.88% |
| Q2 2024 | $29.7M | $35.7M | 0.10% | 0.36% | 0.89% |
| Q3 2024 | $30.9M | $35.6M | 0.00% | 0.29% | 0.81% |
| Q4 2024 | $27.8M | $38.5M | 0.84% | 0.29% | 0.93% |
| Q1 2025 | $21.9M | $40.1M | 1.07% | 0.03% | 1.23% |
| Q2 2025 | $23.9M | $37.1M | 0.98% | 0.00% | 1.07% |
| Q3 2025 | $27.7M | $36.2M | 0.11% | 1.00% | 0.92% |
| Q4 2025 | $23.5M | $40.6M | 0.00% | 1.47% | 0.98% |
| Q1 2026 | $23.3M | $41.1M | 0.63% | 1.46% | 1.06% |
| Q2 2026 | $27.5M | $40.1M | 1.31% | 1.94% | 1.05% |
Grant County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County State 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 Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9417) · FFIEC NIC profile (RSSD 983158)