Lincoln 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 Farm: 2.37 percentage points lower than in Q1 2026, at 28.26%. Within North Dakota, Lincoln State Bank is 44th of 60 on loan-to-deposit ratio, 59.59% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lincoln State Bank sits 21.25 points lower, at 59.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.7M |
| Net loans and leases | $65.7M |
| Loans held for sale | $0 |
| Loans to total assets | 53.31% |
| Loan-to-deposit ratio | 59.59% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.55% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.51% |
| Consumer | 5.25% |
| Credit cards | 0.21% |
| Farm | 28.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.54% |
| Construction concentration (Tier 1 capital + allowance) | 20.62% |
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 | 6.27% |
| Interest income on loans | $1.0M |
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 | $59.0M | $97.5M | 8.72% | 12.27% | 7.52% |
| Q4 2023 | $60.8M | $97.1M | 8.26% | 13.56% | 7.24% |
| Q1 2024 | $60.5M | $100.2M | 8.09% | 12.80% | 7.24% |
| Q2 2024 | $63.5M | $95.4M | 8.06% | 12.09% | 7.11% |
| Q3 2024 | $64.6M | $99.5M | 8.19% | 11.60% | 6.91% |
| Q4 2024 | $67.4M | $108.2M | 7.83% | 12.26% | 6.46% |
| Q1 2025 | $62.8M | $109.5M | 8.63% | 13.94% | 6.83% |
| Q2 2025 | $64.1M | $102.4M | 8.48% | 12.41% | 6.14% |
| Q3 2025 | $68.6M | $103.4M | 7.84% | 10.94% | 5.81% |
| Q4 2025 | $71.6M | $106.2M | 7.68% | 11.64% | 5.37% |
| Q1 2026 | $64.4M | $112.2M | 9.23% | 10.74% | 5.53% |
| Q2 2026 | $66.7M | $111.9M | 9.55% | 10.51% | 5.25% |
Lincoln State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lincoln 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 Lincoln State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8390) · FFIEC NIC profile (RSSD 667551)