Trucommunity 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.26 percentage points higher than in Q1 2026, at 78.62%. Trucommunity Bank ranks 31st of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 78.62% (Q2 2026). At 78.62%, Trucommunity Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $222.0M |
| Net loans and leases | $218.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.62% |
| Loan-to-deposit ratio | 78.62% |
| Net loans to equity capital | 6.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.98% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.35% |
| Consumer | 6.97% |
| Credit cards | 0.00% |
| Farm | 36.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.78% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.78% |
| Construction concentration (Tier 1 capital + allowance) | 3.03% |
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 | 6.73% |
| Interest income on loans | $3.6M |
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 | $202.4M | $270.5M | 9.38% | 13.65% | 7.18% |
| Q4 2023 | $200.3M | $280.2M | 9.48% | 13.17% | 7.15% |
| Q1 2024 | $199.0M | $283.4M | 9.69% | 13.12% | 7.53% |
| Q2 2024 | $209.1M | $273.4M | 9.54% | 12.00% | 7.10% |
| Q3 2024 | $212.6M | $267.8M | 9.55% | 11.00% | 6.76% |
| Q4 2024 | $204.2M | $266.8M | 9.60% | 10.94% | 7.33% |
| Q1 2025 | $201.3M | $288.6M | 10.35% | 11.56% | 7.58% |
| Q2 2025 | $220.9M | $273.7M | 9.46% | 10.94% | 7.01% |
| Q3 2025 | $224.6M | $269.3M | 9.15% | 10.30% | 6.88% |
| Q4 2025 | $215.1M | $276.0M | 9.37% | 10.66% | 6.98% |
| Q1 2026 | $205.2M | $287.6M | 9.55% | 11.17% | 7.52% |
| Q2 2026 | $222.0M | $282.3M | 8.98% | 11.35% | 6.97% |
Trucommunity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Trucommunity 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 Trucommunity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15306) · FFIEC NIC profile (RSSD 808653)