Security State Bank of Warroad: 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 Loan-to-deposit ratio: 2.49 percentage points higher than in Q1 2026, at 58.07%. Within Minnesota, Security State Bank of Warroad is 188th of 221 on loan-to-deposit ratio, 58.07% as of Q2 2026, below the middle of the field. Security State Bank of Warroad reported 58.07% on loan-to-deposit ratio for Q2 2026, 22.77 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.6M |
| Net loans and leases | $67.6M |
| Loans held for sale | $0 |
| Loans to total assets | 50.33% |
| Loan-to-deposit ratio | 58.07% |
| Net loans to equity capital | 3.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.97% |
| Consumer | 21.65% |
| Credit cards | 0.00% |
| Farm | 15.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.89% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.12% |
| Interest income on loans | $1.2M |
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 | $72.1M | $137.6M | 17.78% | 39.61% | 19.85% |
| Q4 2023 | $70.4M | $136.4M | 18.25% | 38.82% | 20.90% |
| Q1 2024 | $70.5M | $130.1M | 18.62% | 37.43% | 20.75% |
| Q2 2024 | $71.8M | $131.7M | 18.29% | 37.22% | 20.62% |
| Q3 2024 | $70.3M | $130.4M | 18.33% | 36.93% | 21.23% |
| Q4 2024 | $66.5M | $128.7M | 20.39% | 34.25% | 21.96% |
| Q1 2025 | $66.3M | $131.3M | 20.62% | 32.46% | 22.03% |
| Q2 2025 | $67.5M | $125.4M | 22.52% | 30.71% | 21.72% |
| Q3 2025 | $69.1M | $128.7M | 25.28% | 28.95% | 21.46% |
| Q4 2025 | $67.0M | $124.1M | 23.72% | 29.92% | 22.28% |
| Q1 2026 | $69.7M | $125.4M | 23.62% | 28.48% | 21.32% |
| Q2 2026 | $69.6M | $119.9M | 23.23% | 26.97% | 21.65% |
Security State Bank of Warroad loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Warroad, 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 Warroad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9773) · FFIEC NIC profile (RSSD 868059)