State Bank of Jeffers: 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.
Consumer climbed 1.79 percentage points in Q2 2026, from 8.59% to 10.38%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, State Bank of Jeffers is 184th of 221 on loan-to-deposit ratio, 61.18% as of Q2 2026, below the middle of the field. State Bank of Jeffers reported 61.18% on loan-to-deposit ratio for Q2 2026, 6.44 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.1M |
| Net loans and leases | $18.9M |
| Loans held for sale | $0 |
| Loans to total assets | 51.55% |
| Loan-to-deposit ratio | 61.18% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.15% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 23.84% |
| Consumer | 10.38% |
| Credit cards | 0.00% |
| Farm | 8.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 6.72% |
| Interest income on loans | $333K |
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 | $18.3M | $32.7M | 4.08% | 25.27% | 9.85% |
| Q4 2023 | $19.2M | $31.6M | 4.20% | 19.15% | 8.90% |
| Q1 2024 | $19.1M | $31.5M | 4.00% | 22.11% | 8.46% |
| Q2 2024 | $18.9M | $30.8M | 4.18% | 23.62% | 8.49% |
| Q3 2024 | $19.4M | $32.2M | 3.92% | 22.99% | 8.58% |
| Q4 2024 | $19.7M | $34.0M | 3.55% | 20.22% | 8.27% |
| Q1 2025 | $20.6M | $33.4M | 3.46% | 22.01% | 8.18% |
| Q2 2025 | $19.9M | $32.0M | 3.49% | 23.61% | 8.39% |
| Q3 2025 | $19.9M | $32.1M | 4.20% | 22.88% | 8.33% |
| Q4 2025 | $20.0M | $32.3M | 3.94% | 22.35% | 8.50% |
| Q1 2026 | $20.7M | $34.2M | 4.03% | 22.48% | 8.59% |
| Q2 2026 | $19.1M | $31.2M | 4.15% | 23.84% | 10.38% |
State Bank of Jeffers loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Jeffers, 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 Jeffers profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10200) · FFIEC NIC profile (RSSD 1014255)