Stockmens Bank: 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) climbed 20.47 percentage points in Q2 2026, from 76.76% to 97.23%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Stockmens Bank is 10th of 63 on loan-to-deposit ratio, 98.08% as of Q2 2026, above the middle of the field. Stockmens Bank reported 98.08% on loan-to-deposit ratio for Q2 2026, 17.14 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $556.6M |
| Net loans and leases | $547.9M |
| Loans held for sale | $200K |
| Loans to total assets | 85.52% |
| Loan-to-deposit ratio | 98.08% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.90% |
| Multifamily (5+ residential) | 2.04% |
| Commercial and industrial | 9.26% |
| Consumer | 0.80% |
| Credit cards | 0.00% |
| Farm | 26.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.23% |
| Construction concentration (Tier 1 capital + allowance) | 49.39% |
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 | 6.92% |
| Interest income on loans | $8.9M |
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 | $414.7M | $446.4M | 19.05% | 13.53% | 0.71% |
| Q4 2023 | $424.6M | $472.2M | 19.62% | 12.87% | 0.75% |
| Q1 2024 | $419.2M | $479.2M | 19.74% | 11.38% | 0.75% |
| Q2 2024 | $436.3M | $455.9M | 20.14% | 11.64% | 0.73% |
| Q3 2024 | $429.6M | $453.7M | 21.96% | 10.70% | 0.76% |
| Q4 2024 | $430.5M | $474.8M | 21.77% | 11.19% | 0.72% |
| Q1 2025 | $439.1M | $466.0M | 22.52% | 11.80% | 0.73% |
| Q2 2025 | $452.6M | $471.9M | 22.55% | 11.64% | 0.64% |
| Q3 2025 | $473.5M | $495.1M | 20.40% | 10.42% | 0.68% |
| Q4 2025 | $509.4M | $487.6M | 17.86% | 9.56% | 0.64% |
| Q1 2026 | $504.8M | $509.1M | 18.39% | 9.91% | 0.61% |
| Q2 2026 | $556.6M | $567.4M | 19.90% | 9.26% | 0.80% |
Stockmens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens Bank, 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 Stockmens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8321) · FFIEC NIC profile (RSSD 982553)