Security First Bank of North Dakota: 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 5.43 percentage points in Q2 2026, from 88.54% to 93.97%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Security First Bank of North Dakota is 13th of 60 on loan-to-deposit ratio, 93.97% as of Q2 2026, above the middle of the field. Security First Bank of North Dakota reported 93.97% on loan-to-deposit ratio for Q2 2026, 13.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.0M |
| Net loans and leases | $228.7M |
| Loans held for sale | $350K |
| Loans to total assets | 79.13% |
| Loan-to-deposit ratio | 93.97% |
| Net loans to equity capital | 6.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.49% |
| Multifamily (5+ residential) | 6.07% |
| Commercial and industrial | 9.38% |
| Consumer | 1.55% |
| Credit cards | 0.22% |
| Farm | 10.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.18% |
| Construction concentration (Tier 1 capital + allowance) | 60.86% |
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 | — |
| Interest income on loans | $3.6M |
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 | $207.8M | $198.8M | 32.88% | 10.12% | 2.89% |
| Q4 2023 | $212.1M | $208.7M | 32.59% | 9.78% | 2.17% |
| Q1 2024 | $206.2M | $211.2M | 33.35% | 11.38% | 1.70% |
| Q2 2024 | $220.6M | $207.6M | 30.95% | 9.88% | 1.67% |
| Q3 2024 | $224.6M | $214.8M | 29.78% | 11.71% | 1.52% |
| Q4 2024 | $231.5M | $219.6M | 28.83% | 10.98% | 1.58% |
| Q1 2025 | $225.7M | $235.7M | 29.63% | 12.25% | 1.51% |
| Q2 2025 | $232.2M | $235.3M | 28.96% | 12.34% | 1.47% |
| Q3 2025 | $241.3M | $235.2M | 28.32% | 11.28% | 1.69% |
| Q4 2025 | $234.6M | $239.9M | 24.07% | 10.12% | 1.62% |
| Q1 2026 | $222.7M | $251.5M | 22.73% | 9.27% | 1.59% |
| Q2 2026 | $232.0M | $246.8M | 21.49% | 9.38% | 1.55% |
Security First Bank of North Dakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security First Bank of North Dakota, 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 First Bank of North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11519) · FFIEC NIC profile (RSSD 693952)