Starion 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.
Loans held for sale climbed 137.5% in Q2 2026, from $1.2M to $2.9M. It was the largest change from Q1 2026 among the key lines here. Starion Bank ranks 35th of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 70.47% (Q2 2026). Starion Bank reported 70.47% on loan-to-deposit ratio for Q2 2026, 17.73 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.28B |
| Net loans and leases | $1.26B |
| Loans held for sale | $2.9M |
| Loans to total assets | 61.20% |
| Loan-to-deposit ratio | 70.47% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.44% |
| Multifamily (5+ residential) | 11.24% |
| Commercial and industrial | 13.63% |
| Consumer | 1.76% |
| Credit cards | 0.04% |
| Farm | 7.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.83% |
| Construction concentration (Tier 1 capital + allowance) | 53.63% |
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 | 5.87% |
| Interest income on loans | $18.4M |
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 | $1.19B | $1.49B | 31.82% | 12.57% | 2.06% |
| Q4 2023 | $1.23B | $1.50B | 31.54% | 13.41% | 2.06% |
| Q1 2024 | $1.26B | $1.57B | 31.61% | 14.15% | 1.94% |
| Q2 2024 | $1.25B | $1.51B | 30.53% | 13.90% | 1.93% |
| Q3 2024 | $1.23B | $1.51B | 30.12% | 13.43% | 1.84% |
| Q4 2024 | $1.21B | $1.68B | 29.36% | 14.55% | 1.83% |
| Q1 2025 | $1.21B | $1.83B | 29.24% | 14.55% | 2.03% |
| Q2 2025 | $1.22B | $1.76B | 28.40% | 15.21% | 1.86% |
| Q3 2025 | $1.22B | $1.71B | 27.78% | 14.49% | 1.92% |
| Q4 2025 | $1.27B | $1.78B | 28.66% | 14.63% | 1.95% |
| Q1 2026 | $1.29B | $1.85B | 28.21% | 14.65% | 1.93% |
| Q2 2026 | $1.28B | $1.82B | 28.44% | 13.63% | 1.76% |
Starion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Starion 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 Starion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33758) · FFIEC NIC profile (RSSD 2009605)