Liberty 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.24 percentage points higher than in Q1 2026, at 41.48%. On loan-to-deposit ratio, Liberty State Bank is 4th from the bottom among 60 North Dakota banks, 41.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Liberty State Bank sits 39.36 points lower, at 41.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.0M |
| Net loans and leases | $57.9M |
| Loans held for sale | $0 |
| Loans to total assets | 37.07% |
| Loan-to-deposit ratio | 41.48% |
| Net loans to equity capital | 3.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.47% |
| Multifamily (5+ residential) | 1.35% |
| Commercial and industrial | 5.77% |
| Consumer | 4.15% |
| Credit cards | 0.37% |
| Farm | 26.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.50% |
| Construction concentration (Tier 1 capital + allowance) | 1.06% |
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 | $980K |
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 | $45.6M | $110.8M | 4.67% | 8.96% | 5.89% |
| Q4 2023 | $49.1M | $113.1M | 4.09% | 8.70% | 5.63% |
| Q1 2024 | $46.6M | $118.6M | 4.23% | 9.11% | 5.41% |
| Q2 2024 | $50.8M | $119.2M | 4.77% | 8.99% | 4.95% |
| Q3 2024 | $49.8M | $121.0M | 5.06% | 8.86% | 4.81% |
| Q4 2024 | $48.1M | $126.9M | 6.50% | 9.32% | 5.29% |
| Q1 2025 | $49.2M | $132.2M | 6.33% | 9.59% | 4.89% |
| Q2 2025 | $54.0M | $127.4M | 5.64% | 8.11% | 4.26% |
| Q3 2025 | $57.9M | $135.5M | 8.13% | 6.99% | 4.45% |
| Q4 2025 | $59.3M | $142.1M | 7.60% | 6.64% | 4.86% |
| Q1 2026 | $58.1M | $148.2M | 7.92% | 6.36% | 4.47% |
| Q2 2026 | $59.0M | $142.2M | 7.47% | 5.77% | 4.15% |
Liberty State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17096) · FFIEC NIC profile (RSSD 883351)