Security Savings Bank: 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 Construction concentration (Tier 1 capital + allowance): 6.84 percentage points lower than in Q1 2026, at 9.38%. Within South Dakota, Security Savings Bank is 22nd of 56 on loan-to-deposit ratio, 86.27% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security Savings Bank sits 5.44 points higher, at 86.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $427.1M |
| Net loans and leases | $422.5M |
| Loans held for sale | $0 |
| Loans to total assets | 76.62% |
| Loan-to-deposit ratio | 86.27% |
| Net loans to equity capital | 7.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.42% |
| Multifamily (5+ residential) | 3.01% |
| Commercial and industrial | 7.38% |
| Consumer | 0.78% |
| Credit cards | 0.00% |
| Farm | 38.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.74% |
| Construction concentration (Tier 1 capital + allowance) | 9.38% |
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 | $6.1M |
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 | $358.2M | $440.5M | 13.60% | 7.05% | 1.28% |
| Q4 2023 | $370.6M | $446.0M | 13.07% | 8.01% | 1.19% |
| Q1 2024 | $374.9M | $441.1M | 13.90% | 7.82% | 1.19% |
| Q2 2024 | $391.9M | $460.3M | 14.78% | 8.12% | 1.16% |
| Q3 2024 | $401.7M | $458.0M | 15.92% | 7.98% | 1.06% |
| Q4 2024 | $410.1M | $460.9M | 18.06% | 7.17% | 0.97% |
| Q1 2025 | $408.5M | $453.5M | 18.22% | 7.02% | 0.97% |
| Q2 2025 | $417.2M | $464.2M | 18.19% | 8.24% | 0.92% |
| Q3 2025 | $412.6M | $453.5M | 17.46% | 7.67% | 0.88% |
| Q4 2025 | $419.9M | $474.7M | 17.11% | 7.75% | 0.79% |
| Q1 2026 | $420.0M | $490.1M | 17.32% | 7.01% | 0.78% |
| Q2 2026 | $427.1M | $495.0M | 18.42% | 7.38% | 0.78% |
Security Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15734) · FFIEC NIC profile (RSSD 811747)