Peoples State Bank of Velva: 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 29.48 percentage points in Q2 2026, from 79.27% to 108.75%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Peoples State Bank of Velva is 28th of 60 on loan-to-deposit ratio, 82.78% 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; Peoples State Bank of Velva reported 82.78% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.6M |
| Net loans and leases | $150.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.69% |
| Loan-to-deposit ratio | 82.78% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.13% |
| Multifamily (5+ residential) | 2.43% |
| Commercial and industrial | 14.97% |
| Consumer | 2.50% |
| Credit cards | 0.16% |
| Farm | 19.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.75% |
| Construction concentration (Tier 1 capital + allowance) | 32.35% |
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 | $2.4M |
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 | $107.5M | $129.9M | 12.96% | 13.49% | 3.57% |
| Q4 2023 | $105.7M | $132.7M | 13.73% | 12.40% | 3.67% |
| Q1 2024 | $103.6M | $128.3M | 13.98% | 13.60% | 3.67% |
| Q2 2024 | $110.2M | $134.8M | 12.54% | 12.72% | 3.52% |
| Q3 2024 | $114.4M | $140.9M | 11.84% | 11.82% | 3.53% |
| Q4 2024 | $112.7M | $142.9M | 12.07% | 13.20% | 3.65% |
| Q1 2025 | $113.3M | $148.2M | 11.45% | 15.81% | 3.52% |
| Q2 2025 | $129.8M | $151.0M | 14.61% | 16.00% | 3.04% |
| Q3 2025 | $139.8M | $164.9M | 15.17% | 15.95% | 2.83% |
| Q4 2025 | $139.4M | $166.0M | 16.24% | 15.77% | 2.81% |
| Q1 2026 | $135.4M | $187.5M | 16.95% | 16.03% | 2.97% |
| Q2 2026 | $152.6M | $184.4M | 18.13% | 14.97% | 2.50% |
Peoples State Bank of Velva loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Velva, 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 Peoples State Bank of Velva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10250) · FFIEC NIC profile (RSSD 713252)