State Bank of Bottineau: 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: 6.21 percentage points higher than in Q1 2026, at 102.15%. State Bank of Bottineau ranks 7th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 102.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Bottineau sits 21.32 points higher, at 102.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $100.6M |
| Net loans and leases | $98.8M |
| Loans held for sale | $0 |
| Loans to total assets | 85.79% |
| Loan-to-deposit ratio | 102.15% |
| Net loans to equity capital | 10.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.89% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 5.62% |
| Consumer | 2.67% |
| Credit cards | 0.00% |
| Farm | 27.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.20% |
| Construction concentration (Tier 1 capital + allowance) | 19.11% |
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 | 6.58% |
| 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 | $91.9M | $88.5M | 6.77% | 6.59% | 2.92% |
| Q4 2023 | $89.5M | $90.5M | 7.04% | 5.60% | 2.87% |
| Q1 2024 | $89.5M | $89.5M | 6.91% | 5.36% | 2.84% |
| Q2 2024 | $95.8M | $92.9M | 6.68% | 5.90% | 2.53% |
| Q3 2024 | $99.5M | $93.5M | 6.51% | 5.04% | 2.59% |
| Q4 2024 | $91.7M | $99.3M | 6.30% | 5.19% | 2.82% |
| Q1 2025 | $94.6M | $98.9M | 5.86% | 5.35% | 2.65% |
| Q2 2025 | $103.0M | $93.7M | 5.38% | 5.89% | 2.47% |
| Q3 2025 | $106.6M | $96.4M | 5.31% | 5.64% | 2.38% |
| Q4 2025 | $99.0M | $100.4M | 5.68% | 4.85% | 2.51% |
| Q1 2026 | $94.4M | $98.4M | 6.24% | 5.33% | 2.75% |
| Q2 2026 | $100.6M | $98.4M | 5.89% | 5.62% | 2.67% |
State Bank of Bottineau loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bottineau, 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 Bottineau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9121) · FFIEC NIC profile (RSSD 1014554)