Ameriprise Bank, FSB: 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.
Net loans and leases climbed 14.9% in Q2 2026, from $2.28B to $2.62B. It was the largest change from Q1 2026 among the key lines here. Ameriprise Bank, FSB has the 1st lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 10.99% as of Q2 2026. Ameriprise Bank, FSB's loan-to-deposit ratio of 10.99% is well below the 86.83% median for banks in the $10B-100B asset tier, a gap of 75.85 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.63B |
| Net loans and leases | $2.62B |
| Loans held for sale | $0 |
| Loans to total assets | 10.32% |
| Loan-to-deposit ratio | 10.99% |
| Net loans to equity capital | 1.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.75% |
| Consumer | 43.00% |
| Credit cards | 4.59% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | — |
| Interest income on loans | $36.3M |
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 | $886.3M | $20.97B | 0.00% | 9.08% | 62.20% |
| Q4 2023 | $952.6M | $21.50B | 0.00% | 8.72% | 59.84% |
| Q1 2024 | $1.01B | $21.33B | 0.00% | 9.82% | 57.22% |
| Q2 2024 | $1.13B | $21.47B | 0.00% | 10.32% | 55.01% |
| Q3 2024 | $1.20B | $21.73B | 0.00% | 10.83% | 53.71% |
| Q4 2024 | $1.33B | $22.31B | 0.00% | 10.45% | 54.40% |
| Q1 2025 | $1.41B | $22.67B | 0.00% | 11.20% | 53.70% |
| Q2 2025 | $1.53B | $22.50B | 0.00% | 11.34% | 52.64% |
| Q3 2025 | $1.74B | $22.60B | 0.00% | 10.78% | 50.60% |
| Q4 2025 | $1.94B | $23.67B | 0.00% | 10.54% | 48.29% |
| Q1 2026 | $2.29B | $23.78B | 0.00% | 9.41% | 43.92% |
| Q2 2026 | $2.63B | $23.94B | 0.00% | 9.75% | 43.00% |
Ameriprise Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriprise Bank, FSB, 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 Ameriprise Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58303) · FFIEC NIC profile (RSSD 3470239)