Reliabank Dakota: 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 4.89 percentage points in Q2 2026, from 145.95% to 150.84%. It was the largest change from Q1 2026 among the key lines here. Reliabank Dakota ranks 27th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 79.79% (Q2 2026). At 79.79%, Reliabank Dakota's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $529.5M |
| Net loans and leases | $525.2M |
| Loans held for sale | $0 |
| Loans to total assets | 67.16% |
| Loan-to-deposit ratio | 79.79% |
| Net loans to equity capital | 8.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.00% |
| Multifamily (5+ residential) | 5.29% |
| Commercial and industrial | 20.64% |
| Consumer | 0.82% |
| Credit cards | 0.14% |
| Farm | 6.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.84% |
| Construction concentration (Tier 1 capital + allowance) | 35.19% |
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 | 6.81% |
| Interest income on loans | $8.8M |
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 | $477.8M | $659.3M | 24.17% | 22.72% | 1.25% |
| Q4 2023 | $479.5M | $620.6M | 24.21% | 23.15% | 1.23% |
| Q1 2024 | $471.2M | $642.5M | 26.00% | 22.00% | 1.17% |
| Q2 2024 | $480.0M | $643.4M | 26.78% | 22.22% | 1.10% |
| Q3 2024 | $478.5M | $649.6M | 28.59% | 20.49% | 1.12% |
| Q4 2024 | $468.7M | $654.6M | 28.39% | 20.16% | 1.06% |
| Q1 2025 | $459.5M | $622.4M | 29.50% | 19.23% | 0.96% |
| Q2 2025 | $473.2M | $616.9M | 28.72% | 19.74% | 0.89% |
| Q3 2025 | $485.5M | $608.6M | 28.23% | 20.56% | 0.86% |
| Q4 2025 | $491.7M | $635.8M | 27.86% | 20.70% | 0.84% |
| Q1 2026 | $511.6M | $638.1M | 27.06% | 20.51% | 0.74% |
| Q2 2026 | $529.5M | $663.6M | 27.00% | 20.64% | 0.82% |
Reliabank Dakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliabank Dakota, 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 Reliabank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16221) · FFIEC NIC profile (RSSD 108951)