American State Bank of Grygla: 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): 2.84 percentage points lower than in Q1 2026, at 18.79%. Within Minnesota, American State Bank of Grygla is 190th of 221 on loan-to-deposit ratio, 57.16% as of Q2 2026, below the middle of the field. American State Bank of Grygla reported 57.16% on loan-to-deposit ratio for Q2 2026, 10.46 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.3M |
| Net loans and leases | $41.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.68% |
| Loan-to-deposit ratio | 57.16% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.64% |
| Consumer | 11.63% |
| Credit cards | 0.00% |
| Farm | 14.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.79% |
| Construction concentration (Tier 1 capital + allowance) | 3.00% |
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 | — |
| Interest income on loans | $700K |
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 | $39.6M | $67.2M | 11.02% | 15.24% | 10.21% |
| Q4 2023 | $39.5M | $69.0M | 11.19% | 15.50% | 10.60% |
| Q1 2024 | $39.5M | $68.2M | 11.07% | 17.78% | 10.85% |
| Q2 2024 | $40.9M | $67.7M | 10.57% | 18.83% | 10.95% |
| Q3 2024 | $41.0M | $69.2M | 10.57% | 18.12% | 11.58% |
| Q4 2024 | $40.2M | $72.6M | 9.93% | 18.24% | 12.31% |
| Q1 2025 | $40.5M | $75.3M | 9.72% | 18.40% | 12.98% |
| Q2 2025 | $42.7M | $77.9M | 7.89% | 19.09% | 11.13% |
| Q3 2025 | $45.0M | $74.6M | 7.45% | 21.24% | 10.30% |
| Q4 2025 | $43.9M | $73.2M | 7.12% | 20.45% | 10.35% |
| Q1 2026 | $41.4M | $73.8M | 7.47% | 20.41% | 11.38% |
| Q2 2026 | $42.3M | $73.9M | 7.18% | 18.64% | 11.63% |
American State Bank of Grygla loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American State Bank of Grygla, 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 State Bank of Grygla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22263) · FFIEC NIC profile (RSSD 21359)