Great Plains 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 Consumer: 2.08 percentage points lower than in Q1 2026, at 5.07%. Within South Dakota, Great Plains Bank is 15th of 56 on loan-to-deposit ratio, 90.89% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Great Plains Bank sits 10.05 points higher, at 90.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.6M |
| Net loans and leases | $107.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.84% |
| Loan-to-deposit ratio | 90.89% |
| Net loans to equity capital | 4.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.78% |
| Multifamily (5+ residential) | 3.36% |
| Commercial and industrial | 7.28% |
| Consumer | 5.07% |
| Credit cards | 0.00% |
| Farm | 20.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.78% |
| Construction concentration (Tier 1 capital + allowance) | 32.04% |
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 | 6.01% |
| Interest income on loans | $1.7M |
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 | $96.8M | $119.0M | 5.51% | 12.10% | 3.49% |
| Q4 2023 | $103.7M | $118.7M | 4.97% | 10.84% | 3.65% |
| Q1 2024 | $101.6M | $113.4M | 5.16% | 9.23% | 3.68% |
| Q2 2024 | $102.9M | $113.5M | 3.79% | 9.24% | 4.86% |
| Q3 2024 | $102.6M | $120.2M | 3.75% | 7.40% | 4.65% |
| Q4 2024 | $105.7M | $121.8M | 4.33% | 6.57% | 4.16% |
| Q1 2025 | $108.4M | $118.3M | 4.12% | 8.11% | 6.91% |
| Q2 2025 | $105.5M | $116.7M | 5.89% | 7.64% | 5.41% |
| Q3 2025 | $106.8M | $119.9M | 5.70% | 8.38% | 4.34% |
| Q4 2025 | $112.9M | $123.1M | 5.65% | 7.10% | 5.39% |
| Q1 2026 | $112.2M | $121.0M | 6.31% | 6.15% | 7.15% |
| Q2 2026 | $109.6M | $120.6M | 5.78% | 7.28% | 5.07% |
Great Plains Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Plains 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 Great Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 505) · FFIEC NIC profile (RSSD 589158)