21st Century 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 CRE concentration (Tier 1 capital + allowance): 13.09 percentage points lower than in Q1 2026, at 274.34%. Within Minnesota, 21st Century Bank is 28th of 221 on loan-to-deposit ratio, 102.11% as of Q2 2026, above the middle of the field. 21st Century Bank reported 102.11% on loan-to-deposit ratio for Q2 2026, 21.17 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $672.7M |
| Net loans and leases | $666.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.18% |
| Loan-to-deposit ratio | 102.11% |
| Net loans to equity capital | 8.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.21% |
| Multifamily (5+ residential) | 16.04% |
| Commercial and industrial | 15.18% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.34% |
| Construction concentration (Tier 1 capital + allowance) | 42.15% |
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 | 6.25% |
| Interest income on loans | $10.5M |
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 | $575.7M | $542.2M | 49.65% | 18.30% | 0.26% |
| Q4 2023 | $590.6M | $552.7M | 50.75% | 17.96% | 0.10% |
| Q1 2024 | $588.6M | $615.4M | 51.79% | 17.84% | 0.09% |
| Q2 2024 | $590.3M | $572.1M | 52.77% | 17.93% | 0.03% |
| Q3 2024 | $604.2M | $591.9M | 51.89% | 17.01% | 0.03% |
| Q4 2024 | $615.5M | $585.7M | 50.67% | 17.22% | 0.04% |
| Q1 2025 | $612.2M | $626.3M | 50.25% | 17.01% | 0.03% |
| Q2 2025 | $614.5M | $624.4M | 49.66% | 16.90% | 0.02% |
| Q3 2025 | $633.2M | $664.0M | 50.45% | 15.90% | 0.04% |
| Q4 2025 | $660.9M | $658.6M | 50.81% | 14.98% | 0.08% |
| Q1 2026 | $675.6M | $677.9M | 51.76% | 14.76% | 0.08% |
| Q2 2026 | $672.7M | $658.8M | 52.21% | 15.18% | 0.07% |
21st Century Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 21st Century 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 21st Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9751) · FFIEC NIC profile (RSSD 340256)