One American 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: 14.25 percentage points lower than in Q1 2026, at 97.54%. One American Bank ranks 6th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 97.54% (Q2 2026). One American Bank reported 97.54% on loan-to-deposit ratio for Q2 2026, 16.70 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.8M |
| Net loans and leases | $220.9M |
| Loans held for sale | $14.0M |
| Loans to total assets | 79.19% |
| Loan-to-deposit ratio | 97.54% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.51% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.87% |
| Consumer | 10.21% |
| Credit cards | 2.77% |
| Farm | 1.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.47% |
| Construction concentration (Tier 1 capital + allowance) | 1.19% |
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 | 4.53% |
| Interest income on loans | $3.0M |
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 | $345.1M | $317.0M | 4.91% | 2.36% | 16.33% |
| Q4 2023 | $334.7M | $309.2M | 4.97% | 2.49% | 14.05% |
| Q1 2024 | $328.0M | $322.9M | 4.79% | 2.38% | 13.81% |
| Q2 2024 | $320.0M | $285.6M | 4.78% | 2.43% | 13.18% |
| Q3 2024 | $313.1M | $284.3M | 4.46% | 2.55% | 12.72% |
| Q4 2024 | $303.2M | $275.7M | 4.36% | 2.59% | 12.43% |
| Q1 2025 | $296.5M | $259.4M | 4.32% | 2.67% | 11.61% |
| Q2 2025 | $289.6M | $259.5M | 5.65% | 1.62% | 10.97% |
| Q3 2025 | $284.0M | $244.0M | 5.71% | 1.62% | 10.43% |
| Q4 2025 | $277.7M | $234.4M | 5.77% | 1.68% | 9.94% |
| Q1 2026 | $268.9M | $240.6M | 5.68% | 1.54% | 9.36% |
| Q2 2026 | $225.8M | $231.5M | 6.51% | 1.87% | 10.21% |
One American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock One American 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 One American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6078) · FFIEC NIC profile (RSSD 95051)