Bank of Maple Plain: 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): 3.13 percentage points lower than in Q1 2026, at 25.51%. Within Minnesota, Bank of Maple Plain is 197th of 221 on loan-to-deposit ratio, 52.72% as of Q2 2026, below the middle of the field. Bank of Maple Plain reported 52.72% on loan-to-deposit ratio for Q2 2026, 14.90 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $39.4M |
| Net loans and leases | $38.8M |
| Loans held for sale | $0 |
| Loans to total assets | 46.05% |
| Loan-to-deposit ratio | 52.72% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.49% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 28.29% |
| Consumer | 3.44% |
| Credit cards | 0.00% |
| Farm | 1.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.51% |
| Construction concentration (Tier 1 capital + allowance) | 5.86% |
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 | 6.17% |
| Interest income on loans | $520K |
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 | $43.0M | $80.7M | 15.72% | 31.22% | 1.95% |
| Q4 2023 | $42.9M | $84.0M | 13.65% | 32.52% | 2.32% |
| Q1 2024 | $44.4M | $84.3M | 13.08% | 33.21% | 2.75% |
| Q2 2024 | $45.6M | $75.1M | 13.38% | 32.99% | 3.21% |
| Q3 2024 | $44.4M | $74.6M | 13.56% | 33.09% | 3.23% |
| Q4 2024 | $43.6M | $79.0M | 13.67% | 33.87% | 3.09% |
| Q1 2025 | $42.3M | $76.9M | 13.95% | 31.04% | 3.33% |
| Q2 2025 | $41.1M | $75.9M | 14.34% | 28.83% | 3.43% |
| Q3 2025 | $41.1M | $72.9M | 13.80% | 28.77% | 3.70% |
| Q4 2025 | $41.4M | $74.5M | 13.54% | 28.60% | 3.61% |
| Q1 2026 | $40.1M | $74.8M | 13.78% | 27.23% | 3.43% |
| Q2 2026 | $39.4M | $74.7M | 11.49% | 28.29% | 3.44% |
Bank of Maple Plain loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Maple Plain, 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 Bank of Maple Plain profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9332) · FFIEC NIC profile (RSSD 989851)