Heartland 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.
Cre concentration (tier 1 capital + allowance) climbed 11.24 percentage points in Q2 2026, from 50.78% to 62.02%. It was the largest change from Q1 2026 among the key lines here. Heartland State Bank ranks 16th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 90.57% (Q2 2026). Heartland State Bank reported 90.57% on loan-to-deposit ratio for Q2 2026, 9.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.3M |
| Net loans and leases | $121.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.42% |
| Loan-to-deposit ratio | 90.57% |
| Net loans to equity capital | 8.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.51% |
| Multifamily (5+ residential) | 1.75% |
| Commercial and industrial | 4.36% |
| Consumer | 1.27% |
| Credit cards | 0.21% |
| Farm | 15.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.02% |
| 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 | $2.3M |
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 | $92.1M | $117.1M | 6.65% | 7.25% | 1.56% |
| Q4 2023 | $95.8M | $125.0M | 6.91% | 5.58% | 1.50% |
| Q1 2024 | $97.0M | $127.4M | 6.47% | 6.07% | 1.52% |
| Q2 2024 | $97.9M | $117.9M | 7.09% | 5.98% | 1.50% |
| Q3 2024 | $100.6M | $114.7M | 6.94% | 5.57% | 1.40% |
| Q4 2024 | $101.0M | $117.3M | 5.99% | 4.86% | 1.48% |
| Q1 2025 | $103.2M | $126.0M | 5.33% | 4.93% | 1.29% |
| Q2 2025 | $105.6M | $122.9M | 5.61% | 4.95% | 1.33% |
| Q3 2025 | $112.5M | $116.8M | 4.66% | 4.31% | 1.27% |
| Q4 2025 | $116.2M | $124.9M | 4.77% | 3.93% | 1.20% |
| Q1 2026 | $118.1M | $134.7M | 5.25% | 3.88% | 1.21% |
| Q2 2026 | $122.3M | $135.1M | 6.51% | 4.36% | 1.27% |
Heartland State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9007) · FFIEC NIC profile (RSSD 135854)