State Bank of Bellingham: 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.
Cre concentration (tier 1 capital + allowance) climbed 1.30 percentage points in Q3 2026, from 29.76% to 31.06%. It was the largest change from Q2 2026 among the key lines here. Within Minnesota, State Bank of Bellingham is 189th of 221 on loan-to-deposit ratio, 57.83% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. State Bank of Bellingham sits 9.79 points lower, at 57.83% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $21.8M |
| Net loans and leases | $21.5M |
| Loans held for sale | $0 |
| Loans to total assets | 48.49% |
| Loan-to-deposit ratio | 57.83% |
| Net loans to equity capital | 4.46% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.76% |
| Multifamily (5+ residential) | 6.79% |
| Commercial and industrial | 4.04% |
| Consumer | 10.78% |
| Credit cards | 0.00% |
| Farm | 32.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.06% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 5.84% |
| Interest income on loans | $326K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $29.1M | $42.8M | 24.53% | 8.42% | 16.14% |
| Q1 2024 | $28.2M | $42.1M | 26.96% | 8.10% | 15.83% |
| Q2 2024 | $28.3M | $42.4M | 27.46% | 6.81% | 14.85% |
| Q3 2024 | $28.5M | $42.2M | 28.11% | 6.36% | 14.20% |
| Q4 2024 | $27.6M | $41.9M | 29.51% | 6.02% | 13.31% |
| Q1 2025 | $26.4M | $44.3M | 31.12% | 6.05% | 13.07% |
| Q2 2025 | $26.2M | $40.7M | 29.91% | 5.00% | 12.26% |
| Q3 2025 | $25.4M | $39.7M | 28.77% | 4.53% | 11.98% |
| Q4 2025 | $24.9M | $40.8M | 29.40% | 4.09% | 11.40% |
| Q1 2026 | $23.1M | $40.1M | 31.22% | 4.33% | 11.65% |
| Q2 2026 | $22.6M | $38.4M | 30.14% | 4.20% | 11.05% |
| Q3 2026 | $21.8M | $37.7M | 29.76% | 4.04% | 10.78% |
State Bank of Bellingham loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bellingham, 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 of Bellingham profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17062) · FFIEC NIC profile (RSSD 272058)