Americana Community 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): 12.25 percentage points lower than in Q1 2026, at 113.44%. Within Minnesota, Americana Community Bank is 52nd of 221 on loan-to-deposit ratio, 93.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Americana Community Bank sits 12.63 points higher, at 93.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.8M |
| Net loans and leases | $141.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.37% |
| Loan-to-deposit ratio | 93.47% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.86% |
| Multifamily (5+ residential) | 0.26% |
| Commercial and industrial | 16.96% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 16.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.44% |
| Construction concentration (Tier 1 capital + allowance) | 14.10% |
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 | 6.52% |
| Interest income on loans | $2.3M |
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 | $121.7M | $143.1M | 46.40% | 15.93% | 0.83% |
| Q4 2023 | $125.8M | $142.2M | 48.04% | 13.71% | 0.78% |
| Q1 2024 | $130.4M | $140.6M | 45.56% | 15.12% | 0.75% |
| Q2 2024 | $131.6M | $140.4M | 46.51% | 14.44% | 0.87% |
| Q3 2024 | $128.2M | $145.0M | 48.08% | 14.33% | 0.83% |
| Q4 2024 | $132.6M | $151.2M | 48.30% | 14.42% | 0.52% |
| Q1 2025 | $136.3M | $152.6M | 48.22% | 14.40% | 0.53% |
| Q2 2025 | $139.4M | $147.3M | 47.61% | 15.08% | 0.50% |
| Q3 2025 | $139.0M | $150.6M | 46.73% | 14.43% | 0.48% |
| Q4 2025 | $135.6M | $154.6M | 48.35% | 16.07% | 0.49% |
| Q1 2026 | $141.6M | $147.2M | 47.79% | 17.19% | 0.44% |
| Q2 2026 | $142.8M | $152.7M | 48.86% | 16.96% | 0.41% |
Americana Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Americana Community 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 Americana Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8205) · FFIEC NIC profile (RSSD 201254)