State Bank & Trust of Kenmare: 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.
Cre concentration (tier 1 capital + allowance) dropped 12.25 percentage points in Q2 2026, from 62.11% to 49.86%. It was the largest change from Q1 2026 among the key lines here. State Bank & Trust of Kenmare ranks 52nd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 46.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank & Trust of Kenmare sits 34.55 points lower, at 46.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $84.6M |
| Net loans and leases | $83.7M |
| Loans held for sale | $0 |
| Loans to total assets | 42.08% |
| Loan-to-deposit ratio | 46.29% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.99% |
| Multifamily (5+ residential) | 1.28% |
| Commercial and industrial | 20.15% |
| Consumer | 2.50% |
| Credit cards | 0.17% |
| Farm | 29.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.86% |
| Construction concentration (Tier 1 capital + allowance) | 13.15% |
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 | 6.15% |
| Interest income on loans | $1.3M |
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 | $80.1M | $139.3M | 15.25% | 16.20% | 3.49% |
| Q4 2023 | $77.8M | $145.8M | 14.49% | 17.20% | 3.50% |
| Q1 2024 | $75.8M | $160.1M | 15.11% | 17.71% | 3.46% |
| Q2 2024 | $80.1M | $158.8M | 15.44% | 16.52% | 3.42% |
| Q3 2024 | $85.4M | $157.0M | 15.66% | 18.02% | 3.20% |
| Q4 2024 | $83.0M | $162.1M | 16.39% | 18.12% | 3.21% |
| Q1 2025 | $85.8M | $170.7M | 17.94% | 21.87% | 3.21% |
| Q2 2025 | $90.5M | $166.9M | 17.74% | 20.64% | 2.94% |
| Q3 2025 | $91.9M | $171.7M | 17.30% | 20.77% | 2.91% |
| Q4 2025 | $87.9M | $174.0M | 17.09% | 19.93% | 3.06% |
| Q1 2026 | $85.0M | $180.8M | 17.68% | 20.26% | 2.90% |
| Q2 2026 | $84.6M | $182.8M | 13.99% | 20.15% | 2.50% |
State Bank & Trust of Kenmare loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust of Kenmare, 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 & Trust of Kenmare profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2057) · FFIEC NIC profile (RSSD 675659)