Security Bank Midwest: 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): 13.88 percentage points higher than in Q1 2026, at 26.70%. Security Bank Midwest ranks 16th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 90.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Security Bank Midwest sits 9.79 points higher, at 90.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $215.8M |
| Net loans and leases | $212.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.95% |
| Loan-to-deposit ratio | 90.35% |
| Net loans to equity capital | 7.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.36% |
| Multifamily (5+ residential) | 1.34% |
| Commercial and industrial | 7.25% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 26.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.70% |
| Construction concentration (Tier 1 capital + allowance) | 4.93% |
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 | 6.44% |
| Interest income on loans | $3.5M |
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 | $210.3M | $237.0M | 5.75% | 9.48% | 0.83% |
| Q4 2023 | $229.9M | $246.5M | 5.25% | 9.81% | 0.82% |
| Q1 2024 | $229.4M | $274.8M | 5.20% | 9.52% | 0.91% |
| Q2 2024 | $228.6M | $271.1M | 5.14% | 9.40% | 0.79% |
| Q3 2024 | $229.3M | $263.2M | 5.06% | 10.40% | 0.78% |
| Q4 2024 | $233.8M | $256.7M | 5.04% | 10.05% | 0.58% |
| Q1 2025 | $226.9M | $262.2M | 4.89% | 8.86% | 0.76% |
| Q2 2025 | $219.0M | $253.7M | 4.99% | 9.05% | 0.82% |
| Q3 2025 | $221.8M | $240.6M | 4.86% | 9.15% | 0.66% |
| Q4 2025 | $218.9M | $245.5M | 4.85% | 8.24% | 0.55% |
| Q1 2026 | $213.9M | $246.1M | 2.77% | 7.01% | 0.49% |
| Q2 2026 | $215.8M | $238.8M | 5.36% | 7.25% | 0.51% |
Security Bank Midwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Midwest, 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 Security Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 485) · FFIEC NIC profile (RSSD 435255)