Security National Bank of South 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.
Cre concentration (tier 1 capital + allowance) dropped 7.21 percentage points in Q2 2026, from 174.93% to 167.72%. It was the largest change from Q1 2026 among the key lines here. Security National Bank of South Dakota ranks 19th of 56 South Dakota banks on loan-to-deposit ratio, in the upper half at 88.63% (Q2 2026). Security National Bank of South Dakota reported 88.63% on loan-to-deposit ratio for Q2 2026, 7.69 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.6M |
| Net loans and leases | $170.3M |
| Loans held for sale | $2.1M |
| Loans to total assets | 68.64% |
| Loan-to-deposit ratio | 88.63% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.49% |
| Multifamily (5+ residential) | 21.27% |
| Commercial and industrial | 5.81% |
| Consumer | 3.90% |
| Credit cards | 0.00% |
| Farm | 1.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.72% |
| Construction concentration (Tier 1 capital + allowance) | 8.68% |
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 | 5.57% |
| Interest income on loans | $2.3M |
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 | $130.0M | $172.7M | 29.75% | 7.44% | 6.08% |
| Q4 2023 | $137.2M | $176.3M | 27.63% | 10.35% | 5.59% |
| Q1 2024 | $135.6M | $177.4M | 27.67% | 10.00% | 6.07% |
| Q2 2024 | $140.2M | $187.7M | 26.79% | 10.20% | 5.24% |
| Q3 2024 | $138.0M | $188.7M | 26.57% | 9.76% | 4.62% |
| Q4 2024 | $140.4M | $197.3M | 26.86% | 9.42% | 4.49% |
| Q1 2025 | $143.5M | $201.3M | 25.89% | 8.75% | 4.64% |
| Q2 2025 | $149.6M | $189.7M | 24.82% | 8.06% | 3.95% |
| Q3 2025 | $152.8M | $185.8M | 23.86% | 7.47% | 4.01% |
| Q4 2025 | $160.9M | $184.2M | 23.26% | 6.78% | 3.93% |
| Q1 2026 | $162.9M | $196.8M | 22.22% | 6.40% | 4.16% |
| Q2 2026 | $172.6M | $194.7M | 22.49% | 5.81% | 3.90% |
Security National Bank of South Dakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security National Bank of South 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 National Bank of South Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34394) · FFIEC NIC profile (RSSD 2529176)