Arcadian 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.
Cre concentration (tier 1 capital + allowance) climbed 2.01 percentage points in Q2 2026, from 164.15% to 166.16%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Arcadian Bank is 68th of 221 on loan-to-deposit ratio, 88.48% 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. Arcadian Bank sits 7.64 points higher, at 88.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $182.3M |
| Net loans and leases | $180.1M |
| Loans held for sale | $387K |
| Loans to total assets | 75.30% |
| Loan-to-deposit ratio | 88.48% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.35% |
| Multifamily (5+ residential) | 6.97% |
| Commercial and industrial | 18.21% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 20.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.16% |
| Construction concentration (Tier 1 capital + allowance) | 9.56% |
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 | 6.78% |
| Interest income on loans | $3.1M |
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 | $152.5M | $174.5M | 27.75% | 17.93% | 0.40% |
| Q4 2023 | $161.3M | $181.3M | 25.75% | 17.12% | 0.37% |
| Q1 2024 | $162.6M | $184.0M | 29.52% | 17.72% | 0.28% |
| Q2 2024 | $165.3M | $187.3M | 29.73% | 16.95% | 0.27% |
| Q3 2024 | $165.7M | $177.4M | 30.09% | 16.34% | 0.25% |
| Q4 2024 | $170.9M | $186.5M | 27.59% | 16.86% | 0.25% |
| Q1 2025 | $167.3M | $190.5M | 26.15% | 18.06% | 0.30% |
| Q2 2025 | $171.5M | $191.4M | 25.75% | 18.43% | 0.29% |
| Q3 2025 | $173.6M | $200.8M | 25.92% | 19.67% | 0.29% |
| Q4 2025 | $183.5M | $200.4M | 27.73% | 18.38% | 0.26% |
| Q1 2026 | $183.2M | $204.2M | 28.89% | 18.32% | 0.28% |
| Q2 2026 | $182.3M | $206.1M | 29.35% | 18.21% | 0.27% |
Arcadian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arcadian 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 Arcadian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10561) · FFIEC NIC profile (RSSD 1007752)