Banknorth: 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.
Loan-to-deposit ratio climbed 8.41 percentage points in Q2 2026, from 103.49% to 111.90%. It was the largest change from Q1 2026 among the key lines here. Banknorth has the highest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, 111.90% as of Q2 2026. Banknorth reported 111.90% on loan-to-deposit ratio for Q2 2026, 31.07 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $615.0M |
| Net loans and leases | $608.6M |
| Loans held for sale | $0 |
| Loans to total assets | 88.62% |
| Loan-to-deposit ratio | 111.90% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.20% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 11.45% |
| Consumer | 1.48% |
| Credit cards | 0.01% |
| Farm | 22.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.55% |
| Construction concentration (Tier 1 capital + allowance) | 5.34% |
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 | 6.89% |
| Interest income on loans | $10.4M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $463.4M | $402.8M | 6.39% | 9.28% | 1.54% |
| Q4 2023 | $485.2M | $459.0M | 6.37% | 8.27% | 1.54% |
| Q1 2024 | $496.8M | $448.1M | 6.49% | 8.15% | 1.56% |
| Q2 2024 | $528.3M | $423.4M | 6.23% | 8.53% | 1.83% |
| Q3 2024 | $531.2M | $434.1M | 6.18% | 8.84% | 1.58% |
| Q4 2024 | $553.1M | $511.0M | 6.45% | 8.64% | 1.80% |
| Q1 2025 | $544.3M | $530.7M | 5.68% | 9.43% | 1.72% |
| Q2 2025 | $570.1M | $499.8M | 6.02% | 9.82% | 1.74% |
| Q3 2025 | $593.8M | $502.9M | 6.67% | 9.80% | 1.63% |
| Q4 2025 | $604.0M | $551.3M | 6.44% | 9.09% | 1.70% |
| Q1 2026 | $592.1M | $572.1M | 6.46% | 9.81% | 1.59% |
| Q2 2026 | $615.0M | $549.6M | 6.20% | 11.45% | 1.48% |
Banknorth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banknorth, 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 Banknorth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8387) · FFIEC NIC profile (RSSD 721350)