Rivers Edge 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 CRE concentration (Tier 1 capital + allowance): 4.43 percentage points lower than in Q1 2026, at 51.27%. Within South Dakota, Rivers Edge Bank is 13th of 56 on loan-to-deposit ratio, 92.47% 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. Rivers Edge Bank sits 11.63 points higher, at 92.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $273.6M |
| Net loans and leases | $270.1M |
| Loans held for sale | $0 |
| Loans to total assets | 76.61% |
| Loan-to-deposit ratio | 92.47% |
| Net loans to equity capital | 8.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.31% |
| Multifamily (5+ residential) | 0.74% |
| Commercial and industrial | 10.97% |
| Consumer | 2.46% |
| Credit cards | 0.00% |
| Farm | 25.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.27% |
| Construction concentration (Tier 1 capital + allowance) | 15.51% |
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 | 6.69% |
| Interest income on loans | $4.6M |
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 | $206.1M | $242.0M | 4.32% | 14.11% | 3.54% |
| Q4 2023 | $211.0M | $252.9M | 4.66% | 13.77% | 3.32% |
| Q1 2024 | $206.2M | $260.1M | 5.33% | 14.50% | 3.38% |
| Q2 2024 | $212.4M | $269.4M | 5.44% | 14.69% | 3.53% |
| Q3 2024 | $213.1M | $263.1M | 6.13% | 13.14% | 3.59% |
| Q4 2024 | $221.1M | $262.8M | 6.25% | 12.36% | 3.34% |
| Q1 2025 | $224.8M | $266.9M | 6.12% | 12.87% | 3.21% |
| Q2 2025 | $235.2M | $269.1M | 5.76% | 12.52% | 2.98% |
| Q3 2025 | $248.8M | $261.6M | 5.95% | 12.21% | 2.93% |
| Q4 2025 | $257.7M | $272.6M | 5.85% | 11.03% | 2.69% |
| Q1 2026 | $271.3M | $284.0M | 5.48% | 11.13% | 2.47% |
| Q2 2026 | $273.6M | $295.9M | 5.31% | 10.97% | 2.46% |
Rivers Edge Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rivers Edge 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 Rivers Edge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9935) · FFIEC NIC profile (RSSD 474450)