Security Bank USA: 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 5.74 percentage points in Q2 2026, from 75.86% to 81.60%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security Bank USA is 109th of 221 on loan-to-deposit ratio, 81.60% as of Q2 2026, above the middle of the field. At 81.60%, Security Bank USA's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.9M |
| Net loans and leases | $192.4M |
| Loans held for sale | $609K |
| Loans to total assets | 73.86% |
| Loan-to-deposit ratio | 81.60% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.86% |
| Multifamily (5+ residential) | 1.40% |
| Commercial and industrial | 16.28% |
| Consumer | 8.20% |
| Credit cards | 0.00% |
| Farm | 0.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.81% |
| Construction concentration (Tier 1 capital + allowance) | 40.87% |
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 | 6.92% |
| Interest income on loans | $3.3M |
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 | $166.8M | $217.7M | 28.78% | 14.18% | 12.25% |
| Q4 2023 | $170.7M | $216.5M | 28.54% | 14.12% | 13.10% |
| Q1 2024 | $167.0M | $221.1M | 30.57% | 14.41% | 13.34% |
| Q2 2024 | $171.2M | $221.0M | 29.74% | 14.50% | 12.29% |
| Q3 2024 | $172.3M | $230.2M | 28.29% | 14.16% | 12.54% |
| Q4 2024 | $175.4M | $225.3M | 27.14% | 13.62% | 11.58% |
| Q1 2025 | $175.0M | $225.3M | 27.25% | 13.71% | 11.54% |
| Q2 2025 | $180.6M | $229.2M | 27.42% | 14.53% | 12.05% |
| Q3 2025 | $187.5M | $230.2M | 27.57% | 16.09% | 10.07% |
| Q4 2025 | $184.0M | $236.5M | 28.01% | 14.89% | 9.47% |
| Q1 2026 | $189.6M | $249.9M | 26.86% | 14.93% | 9.64% |
| Q2 2026 | $194.9M | $238.8M | 26.86% | 16.28% | 8.20% |
Security Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1604) · FFIEC NIC profile (RSSD 950758)