State 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 CRE concentration (Tier 1 capital + allowance): 59.52 percentage points higher than in Q1 2026, at 227.31%. On loan-to-deposit ratio, State Bank ranks 2nd highest among the 23 banks headquartered in Wyoming, at 88.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. State Bank sits 8.42 points higher, at 88.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $92.5M |
| Net loans and leases | $91.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.18% |
| Loan-to-deposit ratio | 88.98% |
| Net loans to equity capital | 8.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.37% |
| Multifamily (5+ residential) | 4.15% |
| Commercial and industrial | 17.54% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 0.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.31% |
| Construction concentration (Tier 1 capital + allowance) | 52.60% |
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 | 7.24% |
| Interest income on loans | $1.7M |
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 | $38.9M | $44.3M | 60.46% | 20.81% | 1.58% |
| Q4 2023 | $48.7M | $51.1M | 54.40% | 26.06% | 1.66% |
| Q1 2024 | $52.4M | $54.9M | 53.56% | 24.70% | 2.13% |
| Q2 2024 | $57.8M | $61.3M | 54.93% | 25.12% | 1.81% |
| Q3 2024 | $62.0M | $66.9M | 53.19% | 23.97% | 1.68% |
| Q4 2024 | $68.5M | $71.2M | 51.52% | 23.48% | 1.85% |
| Q1 2025 | $74.2M | $77.1M | 49.16% | 24.06% | 1.75% |
| Q2 2025 | $77.3M | $86.7M | 47.66% | 20.65% | 1.85% |
| Q3 2025 | $85.1M | $93.6M | 45.56% | 19.15% | 1.85% |
| Q4 2025 | $89.2M | $94.1M | 44.32% | 19.76% | 1.65% |
| Q1 2026 | $92.4M | $100.9M | 41.48% | 19.54% | 1.52% |
| Q2 2026 | $92.5M | $104.0M | 46.37% | 17.54% | 1.52% |
State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34441) · FFIEC NIC profile (RSSD 2602828)