Sundance 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.
Cre concentration (tier 1 capital + allowance) dropped 3.43 percentage points in Q2 2026, from 95.71% to 92.29%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Sundance State Bank is 8th of 23 on loan-to-deposit ratio, 74.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sundance State Bank sits 6.19 points lower, at 74.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $190.5M |
| Net loans and leases | $187.6M |
| Loans held for sale | $240K |
| Loans to total assets | 65.47% |
| Loan-to-deposit ratio | 74.65% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.05% |
| Multifamily (5+ residential) | 1.02% |
| Commercial and industrial | 14.52% |
| Consumer | 4.72% |
| Credit cards | 0.36% |
| Farm | 19.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.29% |
| Construction concentration (Tier 1 capital + allowance) | 30.60% |
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 | 7.24% |
| Interest income on loans | $3.3M |
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 | $154.8M | $205.4M | 19.56% | 15.88% | 4.94% |
| Q4 2023 | $145.5M | $231.2M | 21.07% | 16.56% | 5.32% |
| Q1 2024 | $147.8M | $217.1M | 20.44% | 16.43% | 4.97% |
| Q2 2024 | $158.7M | $212.2M | 20.65% | 16.51% | 4.64% |
| Q3 2024 | $156.6M | $211.3M | 20.79% | 16.19% | 4.66% |
| Q4 2024 | $148.9M | $254.6M | 22.75% | 17.42% | 4.88% |
| Q1 2025 | $160.3M | $231.4M | 20.25% | 17.14% | 4.32% |
| Q2 2025 | $167.9M | $254.3M | 20.46% | 16.01% | 4.42% |
| Q3 2025 | $165.9M | $234.0M | 21.28% | 15.32% | 4.70% |
| Q4 2025 | $162.0M | $260.0M | 22.80% | 15.05% | 4.97% |
| Q1 2026 | $177.5M | $248.5M | 22.08% | 14.45% | 4.47% |
| Q2 2026 | $190.5M | $255.2M | 21.05% | 14.52% | 4.72% |
Sundance State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundance 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 Sundance State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1169) · FFIEC NIC profile (RSSD 94755)