Castle Rock 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.
Commercial real estate (nonfarm nonresidential) dropped 2.20 percentage points in Q2 2026, from 12.81% to 10.62%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Castle Rock Bank is 198th of 221 on loan-to-deposit ratio, 52.71% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Castle Rock Bank sits 27.85 points lower, at 52.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.6M |
| Net loans and leases | $128.0M |
| Loans held for sale | $0 |
| Loans to total assets | 44.82% |
| Loan-to-deposit ratio | 52.71% |
| Net loans to equity capital | 3.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.62% |
| Multifamily (5+ residential) | 0.29% |
| Commercial and industrial | 25.30% |
| Consumer | 9.38% |
| Credit cards | 0.00% |
| Farm | 6.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.20% |
| Construction concentration (Tier 1 capital + allowance) | 4.71% |
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 | 6.76% |
| Interest income on loans | $2.2M |
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 | $111.8M | $241.1M | 19.96% | 18.17% | 10.07% |
| Q4 2023 | $113.2M | $236.4M | 19.57% | 18.82% | 10.56% |
| Q1 2024 | $113.3M | $230.6M | 19.09% | 19.68% | 10.29% |
| Q2 2024 | $119.4M | $224.1M | 17.64% | 21.27% | 10.18% |
| Q3 2024 | $121.3M | $233.9M | 16.88% | 20.89% | 10.74% |
| Q4 2024 | $123.1M | $234.0M | 16.36% | 20.93% | 10.03% |
| Q1 2025 | $122.6M | $236.4M | 15.79% | 21.07% | 10.23% |
| Q2 2025 | $125.8M | $235.6M | 14.74% | 22.10% | 9.75% |
| Q3 2025 | $128.1M | $243.7M | 13.97% | 21.94% | 9.97% |
| Q4 2025 | $130.3M | $247.8M | 13.18% | 22.87% | 9.70% |
| Q1 2026 | $131.3M | $252.6M | 12.81% | 23.87% | 9.81% |
| Q2 2026 | $131.6M | $249.6M | 10.62% | 25.30% | 9.38% |
Castle Rock Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Castle Rock 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 Castle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1913) · FFIEC NIC profile (RSSD 152253)