Richland 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.
Consumer climbed 2.55 percentage points in Q2 2026, from 9.57% to 12.12%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Richland State Bank is 50th of 56 on loan-to-deposit ratio, 43.69% as of Q2 2026, below the middle of the field. Richland State Bank reported 43.69% on loan-to-deposit ratio for Q2 2026, 24.24 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.5M |
| Net loans and leases | $19.0M |
| Loans held for sale | $940K |
| Loans to total assets | 39.38% |
| Loan-to-deposit ratio | 43.69% |
| Net loans to equity capital | 4.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.38% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 20.66% |
| Consumer | 12.12% |
| Credit cards | 0.00% |
| Farm | 13.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.52% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.72% |
| Construction concentration (Tier 1 capital + allowance) | 3.12% |
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 | 6.61% |
| Interest income on loans | $341K |
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 | $22.3M | $46.0M | 26.43% | 16.07% | 32.76% |
| Q4 2023 | $20.5M | $42.7M | 28.56% | 21.04% | 20.89% |
| Q1 2024 | $18.7M | $40.1M | 23.85% | 24.55% | 22.30% |
| Q2 2024 | $17.0M | $37.8M | 35.94% | 17.07% | 12.93% |
| Q3 2024 | $17.4M | $36.4M | 34.58% | 16.26% | 10.79% |
| Q4 2024 | $20.1M | $36.3M | 34.51% | 14.79% | 16.27% |
| Q1 2025 | $17.9M | $35.8M | 30.80% | 21.45% | 12.29% |
| Q2 2025 | $18.8M | $36.0M | 34.59% | 17.62% | 11.23% |
| Q3 2025 | $19.3M | $36.0M | 34.04% | 18.38% | 9.69% |
| Q4 2025 | $22.9M | $39.2M | 28.11% | 17.43% | 20.28% |
| Q1 2026 | $18.3M | $41.6M | 31.71% | 20.11% | 9.57% |
| Q2 2026 | $19.5M | $44.7M | 29.38% | 20.66% | 12.12% |
Richland State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Richland 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 Richland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1675) · FFIEC NIC profile (RSSD 83852)