American National Bank of Minnesota: 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): 28.29 percentage points lower than in Q1 2026, at 201.90%. Among 221 Minnesota banks, American National Bank of Minnesota sits 12th from the top on loan-to-deposit ratio, 111.22% as of Q2 2026. American National Bank of Minnesota reported 111.22% on loan-to-deposit ratio for Q2 2026, 30.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $386.6M |
| Net loans and leases | $381.4M |
| Loans held for sale | $0 |
| Loans to total assets | 81.69% |
| Loan-to-deposit ratio | 111.22% |
| Net loans to equity capital | 7.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.54% |
| Multifamily (5+ residential) | 3.80% |
| Commercial and industrial | 4.17% |
| Consumer | 1.17% |
| Credit cards | 0.00% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.90% |
| Construction concentration (Tier 1 capital + allowance) | 90.40% |
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 | — |
| Interest income on loans | $7.1M |
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 | $388.6M | $338.4M | 27.91% | 5.03% | 2.34% |
| Q4 2023 | $397.1M | $340.1M | 28.36% | 4.82% | 2.23% |
| Q1 2024 | $403.0M | $344.0M | 28.72% | 4.37% | 2.11% |
| Q2 2024 | $405.7M | $334.9M | 28.49% | 4.55% | 2.03% |
| Q3 2024 | $416.1M | $344.6M | 28.64% | 3.88% | 1.87% |
| Q4 2024 | $422.0M | $355.0M | 28.37% | 3.76% | 1.74% |
| Q1 2025 | $418.5M | $355.8M | 28.41% | 3.49% | 1.64% |
| Q2 2025 | $420.7M | $356.9M | 26.90% | 3.97% | 1.54% |
| Q3 2025 | $413.0M | $345.4M | 26.48% | 4.04% | 1.59% |
| Q4 2025 | $404.2M | $343.0M | 26.73% | 4.28% | 1.30% |
| Q1 2026 | $406.8M | $340.5M | 27.92% | 4.52% | 1.16% |
| Q2 2026 | $386.6M | $347.6M | 26.54% | 4.17% | 1.17% |
American National Bank of Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank of Minnesota, 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 American National Bank of Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26499) · FFIEC NIC profile (RSSD 306159)