Bankvista: 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 19.23 percentage points in Q2 2026, from 233.52% to 214.29%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Bankvista sits 14th from the top on loan-to-deposit ratio, 109.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bankvista sits 28.20 points higher, at 109.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $589.5M |
| Net loans and leases | $581.3M |
| Loans held for sale | $606K |
| Loans to total assets | 90.54% |
| Loan-to-deposit ratio | 109.04% |
| Net loans to equity capital | 9.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.01% |
| Multifamily (5+ residential) | 5.84% |
| Commercial and industrial | 22.39% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.29% |
| Construction concentration (Tier 1 capital + allowance) | 35.99% |
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 | 6.62% |
| Interest income on loans | $9.7M |
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 | $490.3M | $465.5M | 38.72% | 25.72% | 1.50% |
| Q4 2023 | $519.4M | $478.9M | 39.63% | 25.70% | 1.41% |
| Q1 2024 | $525.5M | $481.2M | 38.81% | 24.75% | 1.40% |
| Q2 2024 | $533.8M | $514.5M | 40.48% | 24.12% | 1.44% |
| Q3 2024 | $531.9M | $525.2M | 40.74% | 22.50% | 1.41% |
| Q4 2024 | $550.1M | $512.8M | 40.56% | 21.26% | 1.31% |
| Q1 2025 | $542.1M | $510.1M | 40.16% | 20.98% | 1.23% |
| Q2 2025 | $561.9M | $531.2M | 40.32% | 21.20% | 1.24% |
| Q3 2025 | $566.4M | $529.5M | 39.54% | 21.31% | 1.20% |
| Q4 2025 | $578.8M | $508.9M | 38.59% | 21.47% | 1.11% |
| Q1 2026 | $583.1M | $533.0M | 39.36% | 21.46% | 1.02% |
| Q2 2026 | $589.5M | $540.6M | 40.01% | 22.39% | 1.01% |
Bankvista loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankvista, 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 Bankvista profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35406) · FFIEC NIC profile (RSSD 2849285)