Security Bank & Trust Company: 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): 3.47 percentage points lower than in Q1 2026, at 206.31%. Within Minnesota, Security Bank & Trust Company is 152nd of 221 on loan-to-deposit ratio, 72.07% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Bank & Trust Company sits 16.13 points lower, at 72.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $865.1M |
| Net loans and leases | $856.4M |
| Loans held for sale | $0 |
| Loans to total assets | 65.10% |
| Loan-to-deposit ratio | 72.07% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.31% |
| Multifamily (5+ residential) | 11.58% |
| Commercial and industrial | 13.17% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 7.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.31% |
| Construction concentration (Tier 1 capital + allowance) | 37.75% |
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 | 6.41% |
| Interest income on loans | $13.7M |
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 | $423.9M | $650.4M | 22.51% | 14.67% | 1.00% |
| Q4 2023 | $453.7M | $668.8M | 22.75% | 14.06% | 0.90% |
| Q1 2024 | $523.2M | $746.0M | 26.77% | 13.39% | 0.87% |
| Q2 2024 | $847.0M | $1.04B | 29.50% | 13.52% | 0.69% |
| Q3 2024 | $845.3M | $1.05B | 29.39% | 12.95% | 0.58% |
| Q4 2024 | $808.6M | $1.07B | 31.45% | 13.52% | 0.56% |
| Q1 2025 | $793.3M | $1.09B | 31.72% | 12.51% | 0.57% |
| Q2 2025 | $823.2M | $1.10B | 32.76% | 13.56% | 0.56% |
| Q3 2025 | $830.2M | $1.18B | 32.31% | 14.27% | 0.53% |
| Q4 2025 | $846.1M | $1.16B | 32.53% | 14.03% | 0.47% |
| Q1 2026 | $849.3M | $1.16B | 32.55% | 12.98% | 0.46% |
| Q2 2026 | $865.1M | $1.20B | 33.31% | 13.17% | 0.50% |
Security Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15324) · FFIEC NIC profile (RSSD 1001059)