Security State Bank of Wanamingo, Incorporated: 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.
Loans to total assets dropped 2.15 percentage points in Q2 2026, from 86.44% to 84.29%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security State Bank of Wanamingo, Incorporated is 37th of 221 on loan-to-deposit ratio, 98.22% as of Q2 2026, above the middle of the field. Security State Bank of Wanamingo, Incorporated reported 98.22% on loan-to-deposit ratio for Q2 2026, 17.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.0M |
| Net loans and leases | $94.0M |
| Loans held for sale | $0 |
| Loans to total assets | 84.29% |
| Loan-to-deposit ratio | 98.22% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.49% |
| Multifamily (5+ residential) | 2.76% |
| Commercial and industrial | 8.41% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 31.32% |
| Loans to depository institutions | 1.99% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.02% |
| Construction concentration (Tier 1 capital + allowance) | 48.11% |
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 | 6.68% |
| Interest income on loans | $1.6M |
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 | $71.8M | $73.1M | 11.85% | 15.24% | 0.90% |
| Q4 2023 | $73.7M | $74.2M | 12.79% | 13.63% | 0.79% |
| Q1 2024 | $73.9M | $76.0M | 11.74% | 13.32% | 0.77% |
| Q2 2024 | $75.8M | $77.5M | 11.77% | 13.63% | 0.84% |
| Q3 2024 | $78.5M | $80.5M | 12.06% | 14.03% | 0.79% |
| Q4 2024 | $81.1M | $83.3M | 13.66% | 12.88% | 0.79% |
| Q1 2025 | $81.9M | $87.8M | 15.06% | 13.17% | 0.82% |
| Q2 2025 | $86.3M | $87.7M | 14.74% | 12.34% | 0.96% |
| Q3 2025 | $90.3M | $89.5M | 14.03% | 11.52% | 1.11% |
| Q4 2025 | $94.0M | $98.3M | 14.72% | 10.24% | 1.11% |
| Q1 2026 | $97.8M | $97.9M | 15.98% | 9.99% | 1.09% |
| Q2 2026 | $95.0M | $96.7M | 16.49% | 8.41% | 0.85% |
Security State Bank of Wanamingo, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Wanamingo, Incorporated, 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 Wanamingo, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18378) · FFIEC NIC profile (RSSD 211851)