Western Dakota 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 5.03 percentage points in Q2 2026, from 31.24% to 36.28%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Western Dakota Bank is 4th from the bottom among 56 South Dakota banks, 36.28% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Western Dakota Bank sits 31.35 points lower, at 36.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.0M |
| Net loans and leases | $27.6M |
| Loans held for sale | $0 |
| Loans to total assets | 32.78% |
| Loan-to-deposit ratio | 36.28% |
| Net loans to equity capital | 3.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.71% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 8.08% |
| Consumer | 3.55% |
| Credit cards | 0.47% |
| Farm | 28.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.35% |
| 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 | 7.21% |
| Interest income on loans | $472K |
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 | $26.0M | $59.7M | 12.49% | 13.81% | 3.84% |
| Q4 2023 | $23.2M | $66.4M | 13.79% | 15.36% | 4.89% |
| Q1 2024 | $23.8M | $66.7M | 13.20% | 15.30% | 3.99% |
| Q2 2024 | $23.9M | $67.4M | 12.69% | 14.85% | 4.26% |
| Q3 2024 | $26.5M | $63.8M | 9.28% | 12.08% | 3.98% |
| Q4 2024 | $25.2M | $68.8M | 9.61% | 12.80% | 3.46% |
| Q1 2025 | $24.5M | $68.7M | 9.71% | 12.81% | 3.66% |
| Q2 2025 | $27.5M | $70.7M | 8.46% | 11.66% | 3.36% |
| Q3 2025 | $28.6M | $69.9M | 8.45% | 10.66% | 3.54% |
| Q4 2025 | $25.9M | $77.7M | 9.07% | 10.83% | 3.73% |
| Q1 2026 | $25.3M | $80.9M | 9.08% | 9.78% | 3.89% |
| Q2 2026 | $28.0M | $77.3M | 8.71% | 8.08% | 3.55% |
Western Dakota Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Dakota 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 Western Dakota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 492) · FFIEC NIC profile (RSSD 128258)