Rolette 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.
Loan-to-deposit ratio climbed 11.54 percentage points in Q2 2026, from 69.67% to 81.21%. It was the largest change from Q1 2026 among the key lines here. Rolette State Bank ranks 30th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 81.21% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Rolette State Bank sits 13.88 points higher, at 81.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.4M |
| Net loans and leases | $37.0M |
| Loans held for sale | $0 |
| Loans to total assets | 72.53% |
| Loan-to-deposit ratio | 81.21% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.85% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.87% |
| Consumer | 2.01% |
| Credit cards | 0.00% |
| Farm | 20.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.32% |
| Interest income on loans | $614K |
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 | $33.5M | $38.9M | 1.49% | 16.15% | 2.69% |
| Q4 2023 | $34.3M | $37.5M | 1.36% | 14.72% | 2.35% |
| Q1 2024 | $31.2M | $38.1M | 1.45% | 16.32% | 2.45% |
| Q2 2024 | $34.0M | $38.2M | 1.68% | 16.77% | 2.31% |
| Q3 2024 | $35.8M | $37.3M | 1.51% | 13.58% | 2.23% |
| Q4 2024 | $34.9M | $40.7M | 1.43% | 15.45% | 2.33% |
| Q1 2025 | $33.8M | $41.8M | 1.40% | 15.05% | 2.20% |
| Q2 2025 | $35.6M | $42.1M | 1.48% | 15.46% | 2.22% |
| Q3 2025 | $35.7M | $42.5M | 1.05% | 13.75% | 2.34% |
| Q4 2025 | $34.9M | $44.0M | 1.01% | 14.11% | 2.34% |
| Q1 2026 | $32.8M | $47.0M | 1.03% | 12.60% | 2.48% |
| Q2 2026 | $37.4M | $46.0M | 0.85% | 14.87% | 2.01% |
Rolette State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rolette 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 Rolette State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9120) · FFIEC NIC profile (RSSD 1012457)