State Bank of Lakota: 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: 8.16 percentage points higher than in Q1 2026, at 67.58%. Within North Dakota, State Bank of Lakota is 38th of 60 on loan-to-deposit ratio, 67.58% as of Q2 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 Lakota reported 67.58% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.9M |
| Net loans and leases | $38.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.61% |
| Loan-to-deposit ratio | 67.58% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.88% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 8.07% |
| Consumer | 5.18% |
| Credit cards | 0.00% |
| Farm | 13.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.70% |
| Construction concentration (Tier 1 capital + allowance) | 6.75% |
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 | 6.48% |
| Interest income on loans | $613K |
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 | $37.0M | $64.5M | 4.98% | 7.41% | 6.28% |
| Q4 2023 | $36.2M | $59.2M | 4.94% | 8.47% | 7.17% |
| Q1 2024 | $35.9M | $55.1M | 4.87% | 9.37% | 6.64% |
| Q2 2024 | $37.5M | $56.6M | 4.62% | 8.21% | 6.70% |
| Q3 2024 | $40.3M | $54.4M | 4.43% | 8.60% | 6.60% |
| Q4 2024 | $39.5M | $67.0M | 5.21% | 7.29% | 5.90% |
| Q1 2025 | $37.3M | $60.8M | 6.09% | 9.38% | 6.45% |
| Q2 2025 | $38.3M | $57.8M | 5.74% | 8.74% | 6.28% |
| Q3 2025 | $38.6M | $63.0M | 6.05% | 7.86% | 6.01% |
| Q4 2025 | $40.2M | $60.6M | 5.77% | 6.93% | 5.66% |
| Q1 2026 | $35.5M | $59.7M | 7.00% | 9.47% | 6.00% |
| Q2 2026 | $38.9M | $57.6M | 6.88% | 8.07% | 5.18% |
State Bank of Lakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Lakota, 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 Lakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16477) · FFIEC NIC profile (RSSD 678258)