Stockman Bank of Montana: 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.
Construction concentration (tier 1 capital + allowance) climbed 5.92 percentage points in Q2 2026, from 138.12% to 144.04%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Stockman Bank of Montana is 13th of 35 on loan-to-deposit ratio, 84.42% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Stockman Bank of Montana sits 3.78 points lower, at 84.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.24B |
| Net loans and leases | $5.15B |
| Loans held for sale | $22.1M |
| Loans to total assets | 67.71% |
| Loan-to-deposit ratio | 84.42% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.26% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 3.53% |
| Consumer | 0.96% |
| Credit cards | 0.08% |
| Farm | 9.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.18% |
| Construction concentration (Tier 1 capital + allowance) | 144.04% |
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 | 6.50% |
| Interest income on loans | $83.5M |
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 | $3.93B | $5.02B | 34.25% | 4.71% | 1.27% |
| Q4 2023 | $4.02B | $5.18B | 33.83% | 5.01% | 1.23% |
| Q1 2024 | $4.10B | $5.11B | 34.10% | 4.97% | 1.21% |
| Q2 2024 | $4.20B | $5.10B | 34.10% | 5.01% | 1.20% |
| Q3 2024 | $4.49B | $5.36B | 34.49% | 5.08% | 1.20% |
| Q4 2024 | $4.64B | $5.65B | 34.15% | 4.91% | 1.13% |
| Q1 2025 | $4.69B | $5.63B | 35.93% | 3.87% | 1.11% |
| Q2 2025 | $4.82B | $5.60B | 36.14% | 3.62% | 1.10% |
| Q3 2025 | $4.96B | $5.84B | 35.75% | 3.43% | 1.07% |
| Q4 2025 | $5.10B | $6.23B | 36.04% | 3.48% | 1.02% |
| Q1 2026 | $5.05B | $6.32B | 36.02% | 3.64% | 1.00% |
| Q2 2026 | $5.24B | $6.21B | 35.26% | 3.53% | 0.96% |
Stockman Bank of Montana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockman Bank of Montana, 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 Stockman Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16191) · FFIEC NIC profile (RSSD 651859)