Aspire 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) dropped 3.39 percentage points in Q2 2026, from 193.09% to 189.69%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Aspire Bank ranks 3rd highest among the 60 banks headquartered in North Dakota, at 110.88% (Q2 2026). Aspire Bank's loan-to-deposit ratio of 110.88% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 43.26 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.1M |
| Net loans and leases | $53.6M |
| Loans held for sale | $0 |
| Loans to total assets | 88.85% |
| Loan-to-deposit ratio | 110.88% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.34% |
| Multifamily (5+ residential) | 1.79% |
| Commercial and industrial | 21.43% |
| Consumer | 2.28% |
| Credit cards | 0.00% |
| Farm | 8.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.69% |
| Construction concentration (Tier 1 capital + allowance) | 16.71% |
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 | 6.57% |
| Interest income on loans | $894K |
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 | $51.7M | $56.2M | 38.51% | 22.26% | 1.72% |
| Q4 2023 | $52.0M | $55.7M | 40.90% | 22.37% | 1.71% |
| Q1 2024 | $52.6M | $58.4M | 37.88% | 23.81% | 1.91% |
| Q2 2024 | $56.6M | $60.3M | 35.21% | 24.52% | 2.05% |
| Q3 2024 | $56.7M | $57.9M | 33.31% | 26.55% | 2.11% |
| Q4 2024 | $54.9M | $53.7M | 37.11% | 23.30% | 2.27% |
| Q1 2025 | $56.4M | $58.2M | 37.81% | 23.54% | 1.99% |
| Q2 2025 | $57.0M | $51.6M | 40.44% | 21.13% | 1.90% |
| Q3 2025 | $55.1M | $49.2M | 41.57% | 19.59% | 1.89% |
| Q4 2025 | $54.2M | $51.2M | 42.83% | 18.82% | 1.97% |
| Q1 2026 | $55.5M | $50.9M | 44.78% | 20.61% | 1.91% |
| Q2 2026 | $54.1M | $48.8M | 45.34% | 21.43% | 2.28% |
Aspire Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Aspire 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 Aspire Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3934) · FFIEC NIC profile (RSSD 668053)