San Luis Valley Federal 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: 2.52 percentage points higher than in Q1 2026, at 89.39%. San Luis Valley Federal Bank ranks 25th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 89.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. San Luis Valley Federal Bank sits 8.55 points higher, at 89.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $284.2M |
| Net loans and leases | $281.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.84% |
| Loan-to-deposit ratio | 89.39% |
| Net loans to equity capital | 4.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.23% |
| Multifamily (5+ residential) | 1.38% |
| Commercial and industrial | 1.73% |
| Consumer | 1.28% |
| Credit cards | 0.00% |
| Farm | 3.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.17% |
| Construction concentration (Tier 1 capital + allowance) | 15.16% |
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 | 5.77% |
| Interest income on loans | $4.0M |
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 | $252.5M | $338.2M | 14.00% | 2.46% | 2.03% |
| Q4 2023 | $251.8M | $325.4M | 13.98% | 2.51% | 1.92% |
| Q1 2024 | $253.5M | $315.9M | 14.06% | 2.36% | 1.87% |
| Q2 2024 | $264.2M | $319.3M | 13.43% | 2.26% | 1.88% |
| Q3 2024 | $260.3M | $314.5M | 12.80% | 1.88% | 1.89% |
| Q4 2024 | $262.9M | $316.4M | 12.57% | 1.55% | 1.72% |
| Q1 2025 | $262.4M | $313.2M | 12.34% | 1.50% | 1.64% |
| Q2 2025 | $265.5M | $304.7M | 11.88% | 1.54% | 1.44% |
| Q3 2025 | $273.5M | $304.8M | 11.27% | 1.73% | 1.32% |
| Q4 2025 | $281.0M | $323.5M | 10.88% | 1.84% | 1.84% |
| Q1 2026 | $281.5M | $324.1M | 9.69% | 1.82% | 1.26% |
| Q2 2026 | $284.2M | $317.9M | 9.23% | 1.73% | 1.28% |
San Luis Valley Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock San Luis Valley Federal 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 San Luis Valley Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28208) · FFIEC NIC profile (RSSD 945071)