Plains Commerce 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: 3.68 percentage points lower than in Q1 2026, at 100.55%. Among 56 South Dakota banks, Plains Commerce Bank sits 5th from the top on loan-to-deposit ratio, 100.55% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Plains Commerce Bank sits 12.35 points higher, at 100.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.07B |
| Loans held for sale | $258.8M |
| Loans to total assets | 83.48% |
| Loan-to-deposit ratio | 100.55% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.12% |
| Multifamily (5+ residential) | 3.97% |
| Commercial and industrial | 6.01% |
| Consumer | 1.10% |
| Credit cards | 0.18% |
| Farm | 6.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 192.98% |
| Construction concentration (Tier 1 capital + allowance) | 49.41% |
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 | $18.2M |
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 | $930.4M | $905.4M | 18.39% | 5.82% | 1.05% |
| Q4 2023 | $978.4M | $906.5M | 17.60% | 4.79% | 1.10% |
| Q1 2024 | $967.6M | $919.4M | 17.85% | 5.83% | 1.03% |
| Q2 2024 | $1.05B | $955.0M | 16.19% | 5.56% | 1.10% |
| Q3 2024 | $1.04B | $1.01B | 15.73% | 5.51% | 1.13% |
| Q4 2024 | $1.04B | $1.01B | 15.10% | 5.18% | 1.10% |
| Q1 2025 | $1.02B | $990.0M | 16.62% | 5.40% | 1.06% |
| Q2 2025 | $1.03B | $1.02B | 18.23% | 5.74% | 1.05% |
| Q3 2025 | $1.09B | $1.04B | 17.65% | 6.23% | 1.28% |
| Q4 2025 | $1.09B | $1.05B | 19.52% | 6.02% | 1.20% |
| Q1 2026 | $1.11B | $1.07B | 18.42% | 5.31% | 1.12% |
| Q2 2026 | $1.08B | $1.08B | 19.12% | 6.01% | 1.10% |
Plains Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains Commerce 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 Plains Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1678) · FFIEC NIC profile (RSSD 593052)