State Bank of Taunton: 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.
Farm climbed 2.10 percentage points in Q2 2026, from 39.98% to 42.08%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, State Bank of Taunton is 156th of 221 on loan-to-deposit ratio, 71.43% 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 Taunton sits 3.80 points higher, at 71.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $26.5M |
| Net loans and leases | $26.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.89% |
| Loan-to-deposit ratio | 71.43% |
| Net loans to equity capital | 5.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.32% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 42.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.33% |
| Construction concentration (Tier 1 capital + allowance) | 65.14% |
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 | 6.81% |
| Interest income on loans | $447K |
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 | $33.3M | $41.3M | 17.89% | 4.38% | 1.05% |
| Q4 2023 | $31.1M | $41.2M | 15.49% | 5.52% | 1.02% |
| Q1 2024 | $32.3M | $42.7M | 14.88% | 5.57% | 0.83% |
| Q2 2024 | $32.9M | $39.4M | 14.47% | 4.93% | 0.81% |
| Q3 2024 | $32.0M | $39.8M | 15.34% | 4.23% | 0.81% |
| Q4 2024 | $34.1M | $39.8M | 15.17% | 4.11% | 0.66% |
| Q1 2025 | $35.5M | $40.5M | 14.39% | 3.98% | 0.57% |
| Q2 2025 | $33.4M | $39.2M | 12.63% | 4.24% | 0.58% |
| Q3 2025 | $28.8M | $37.1M | 13.94% | 4.12% | 1.13% |
| Q4 2025 | $25.3M | $38.6M | 17.54% | 4.57% | 0.57% |
| Q1 2026 | $26.3M | $37.7M | 18.56% | 4.55% | 0.45% |
| Q2 2026 | $26.5M | $37.1M | 16.91% | 4.32% | 0.41% |
State Bank of Taunton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Taunton, 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 Taunton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16906) · FFIEC NIC profile (RSSD 205458)