State Bank of Eagle Butte: 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 3.13 percentage points in Q2 2026, from 40.62% to 43.75%. It was the largest change from Q1 2026 among the key lines here. State Bank of Eagle Butte ranks 49th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 43.75% (Q2 2026). State Bank of Eagle Butte reported 43.75% on loan-to-deposit ratio for Q2 2026, 23.58 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.0M |
| Net loans and leases | $30.1M |
| Loans held for sale | $0 |
| Loans to total assets | 38.62% |
| Loan-to-deposit ratio | 43.75% |
| Net loans to equity capital | 3.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.65% |
| Consumer | 45.72% |
| Credit cards | 0.00% |
| Farm | 4.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.53% |
| 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 | Q2 2026 |
|---|---|
| Yield on loans | 12.00% |
| Interest income on loans | $930K |
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 | $30.7M | $72.7M | 0.00% | 8.13% | 39.52% |
| Q4 2023 | $28.7M | $73.8M | 0.00% | 8.25% | 43.46% |
| Q1 2024 | $30.3M | $59.8M | 0.00% | 8.11% | 41.33% |
| Q2 2024 | $30.6M | $61.8M | 2.09% | 7.70% | 41.60% |
| Q3 2024 | $31.9M | $67.9M | 0.00% | 8.05% | 42.28% |
| Q4 2024 | $30.1M | $70.9M | 1.84% | 6.91% | 45.88% |
| Q1 2025 | $29.9M | $75.9M | 1.45% | 6.89% | 45.34% |
| Q2 2025 | $31.2M | $69.5M | 1.16% | 6.29% | 44.63% |
| Q3 2025 | $33.0M | $71.9M | 0.87% | 5.81% | 44.42% |
| Q4 2025 | $30.8M | $77.4M | 0.70% | 5.62% | 47.91% |
| Q1 2026 | $29.4M | $72.4M | 0.52% | 5.57% | 48.16% |
| Q2 2026 | $31.0M | $70.9M | 0.18% | 4.65% | 45.72% |
State Bank of Eagle Butte loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Eagle Butte, 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 Eagle Butte profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18145) · FFIEC NIC profile (RSSD 403656)