Strasburg State 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.
Loan-to-deposit ratio climbed 1.96 percentage points in Q2 2026, from 45.98% to 47.94%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Strasburg State Bank is 51st of 60 on loan-to-deposit ratio, 47.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Strasburg State Bank sits 32.90 points lower, at 47.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.8M |
| Net loans and leases | $44.6M |
| Loans held for sale | $0 |
| Loans to total assets | 42.98% |
| Loan-to-deposit ratio | 47.94% |
| Net loans to equity capital | 4.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.17% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.98% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 30.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.51% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.20% |
| Interest income on loans | $694K |
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 | $34.8M | $80.9M | 1.67% | 4.68% | 0.66% |
| Q4 2023 | $38.9M | $81.8M | 1.48% | 7.86% | 0.74% |
| Q1 2024 | $35.1M | $80.6M | 1.62% | 5.06% | 0.79% |
| Q2 2024 | $40.1M | $81.4M | 1.41% | 4.55% | 0.62% |
| Q3 2024 | $42.6M | $82.6M | 1.31% | 4.23% | 0.74% |
| Q4 2024 | $46.7M | $87.6M | 1.18% | 8.47% | 0.57% |
| Q1 2025 | $43.1M | $90.7M | 1.27% | 5.46% | 0.57% |
| Q2 2025 | $45.2M | $86.8M | 1.20% | 4.90% | 0.46% |
| Q3 2025 | $47.6M | $89.2M | 1.13% | 5.12% | 0.43% |
| Q4 2025 | $53.3M | $89.3M | 1.00% | 7.85% | 0.36% |
| Q1 2026 | $45.3M | $98.6M | 1.16% | 5.70% | 0.51% |
| Q2 2026 | $44.8M | $93.4M | 1.17% | 3.98% | 0.50% |
Strasburg State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Strasburg State 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 Strasburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17922) · FFIEC NIC profile (RSSD 890957)