The Bank of Elk River: 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 16.39 percentage points in Q3 2026, from 183.98% to 167.59%. It was the largest change from Q2 2026 among the key lines here. The Bank of Elk River ranks 161st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 69.21% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank of Elk River sits 11.49 points lower, at 69.45% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $458.4M |
| Net loans and leases | $453.5M |
| Loans held for sale | $0 |
| Loans to total assets | 64.78% |
| Loan-to-deposit ratio | 69.45% |
| Net loans to equity capital | 11.91% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.01% |
| Multifamily (5+ residential) | 6.49% |
| Commercial and industrial | 19.98% |
| Consumer | 4.54% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.59% |
| Construction concentration (Tier 1 capital + allowance) | 42.03% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.40% |
| Interest income on loans | $7.4M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $386.2M | $632.3M | 34.13% | 27.17% | 4.98% |
| Q1 2024 | $386.5M | $621.6M | 34.06% | 26.03% | 5.54% |
| Q2 2024 | $409.5M | $612.1M | 33.56% | 26.46% | 5.93% |
| Q3 2024 | $405.3M | $638.0M | 33.85% | 26.06% | 6.13% |
| Q4 2024 | $408.4M | $634.1M | 33.45% | 24.89% | 6.11% |
| Q1 2025 | $420.7M | $649.2M | 34.06% | 24.48% | 5.78% |
| Q2 2025 | $422.4M | $655.7M | 33.74% | 23.22% | 5.66% |
| Q3 2025 | $422.7M | $653.3M | 33.99% | 21.96% | 5.45% |
| Q4 2025 | $437.1M | $658.9M | 33.02% | 20.96% | 5.02% |
| Q1 2026 | $452.7M | $659.7M | 33.53% | 20.86% | 4.74% |
| Q2 2026 | $457.6M | $661.2M | 34.19% | 20.26% | 4.54% |
| Q3 2026 | $458.4M | $660.0M | 33.01% | 19.98% | 4.54% |
The Bank of Elk River loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Elk River, 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 The Bank of Elk River profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1607) · FFIEC NIC profile (RSSD 10250)