State Bank of Chandler: 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.
Loan-to-deposit ratio climbed 2.01 percentage points in Q2 2026, from 76.93% to 78.93%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, State Bank of Chandler is 119th of 221 on loan-to-deposit ratio, 78.93% as of Q2 2026, below the middle of the field. State Bank of Chandler reported 78.93% on loan-to-deposit ratio for Q2 2026, 11.31 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.5M |
| Net loans and leases | $46.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.08% |
| Loan-to-deposit ratio | 78.93% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.91% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 8.72% |
| Consumer | 3.70% |
| Credit cards | 0.34% |
| Farm | 30.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.31% |
| Construction concentration (Tier 1 capital + allowance) | 2.23% |
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 | 7.06% |
| Interest income on loans | $827K |
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 | $47.0M | $53.6M | 2.86% | 7.51% | 4.60% |
| Q4 2023 | $46.6M | $59.0M | 3.43% | 5.83% | 4.56% |
| Q1 2024 | $44.9M | $58.7M | 3.67% | 6.25% | 4.46% |
| Q2 2024 | $45.3M | $54.1M | 3.54% | 6.76% | 4.18% |
| Q3 2024 | $44.7M | $56.0M | 3.51% | 7.20% | 4.20% |
| Q4 2024 | $48.1M | $60.3M | 3.22% | 7.54% | 3.70% |
| Q1 2025 | $44.5M | $59.5M | 3.39% | 7.83% | 3.88% |
| Q2 2025 | $45.0M | $58.5M | 2.77% | 10.41% | 3.80% |
| Q3 2025 | $44.8M | $58.5M | 2.47% | 9.95% | 3.94% |
| Q4 2025 | $48.4M | $59.9M | 1.92% | 8.21% | 3.25% |
| Q1 2026 | $46.2M | $60.1M | 1.94% | 8.29% | 3.88% |
| Q2 2026 | $47.5M | $60.2M | 1.91% | 8.72% | 3.70% |
State Bank of Chandler loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Chandler, 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 Chandler profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8858) · FFIEC NIC profile (RSSD 112556)