Security State Bank of Oklee: 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 Farm: 1.60 percentage points lower than in Q1 2026, at 25.35%. On loan-to-deposit ratio, Security State Bank of Oklee is 20th from the bottom among 221 Minnesota banks, 50.66% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Security State Bank of Oklee sits 16.97 points lower, at 50.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.7M |
| Net loans and leases | $20.4M |
| Loans held for sale | $0 |
| Loans to total assets | 42.50% |
| Loan-to-deposit ratio | 50.66% |
| Net loans to equity capital | 2.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.95% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.63% |
| Consumer | 11.27% |
| Credit cards | 0.00% |
| Farm | 25.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.15% |
| Construction concentration (Tier 1 capital + allowance) | 4.77% |
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 | 6.31% |
| Interest income on loans | $315K |
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 | $19.9M | $35.1M | 5.71% | 8.02% | 11.56% |
| Q4 2023 | $18.4M | $34.4M | 5.41% | 8.33% | 11.10% |
| Q1 2024 | $18.4M | $37.0M | 5.27% | 9.46% | 10.78% |
| Q2 2024 | $18.8M | $36.5M | 5.31% | 9.54% | 10.90% |
| Q3 2024 | $19.1M | $36.7M | 5.12% | 8.57% | 10.94% |
| Q4 2024 | $18.0M | $38.2M | 5.37% | 9.63% | 11.37% |
| Q1 2025 | $18.3M | $38.8M | 5.36% | 8.89% | 10.95% |
| Q2 2025 | $19.4M | $38.8M | 5.17% | 7.15% | 11.09% |
| Q3 2025 | $20.9M | $38.5M | 4.68% | 6.27% | 9.73% |
| Q4 2025 | $21.1M | $39.4M | 4.86% | 6.30% | 10.42% |
| Q1 2026 | $19.7M | $39.9M | 7.40% | 6.68% | 11.38% |
| Q2 2026 | $20.7M | $40.9M | 6.95% | 5.63% | 11.27% |
Security State Bank of Oklee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Oklee, 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 State Bank of Oklee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10982) · FFIEC NIC profile (RSSD 814355)