Center National 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 18.20 percentage points lower than in Q1 2026, at 69.11%. Center National Bank ranks 142nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Center National Bank sits 7.48 points lower, at 73.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $158.1M |
| Net loans and leases | $156.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.17% |
| Loan-to-deposit ratio | 73.36% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.16% |
| Multifamily (5+ residential) | 4.40% |
| Commercial and industrial | 13.30% |
| Consumer | 5.25% |
| Credit cards | 0.00% |
| Farm | 5.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.53% |
| Construction concentration (Tier 1 capital + allowance) | 69.11% |
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 | 6.12% |
| Interest income on loans | $2.4M |
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 | $132.4M | $226.8M | 31.87% | 14.71% | 7.91% |
| Q4 2023 | $135.1M | $228.8M | 30.66% | 15.25% | 7.40% |
| Q1 2024 | $133.6M | $214.2M | 31.39% | 14.67% | 7.26% |
| Q2 2024 | $135.9M | $213.0M | 32.11% | 14.30% | 7.67% |
| Q3 2024 | $137.9M | $219.3M | 31.22% | 14.50% | 7.48% |
| Q4 2024 | $132.6M | $215.0M | 30.87% | 15.35% | 6.47% |
| Q1 2025 | $133.7M | $220.9M | 30.18% | 15.20% | 6.22% |
| Q2 2025 | $142.0M | $212.9M | 25.12% | 16.35% | 6.20% |
| Q3 2025 | $149.4M | $209.8M | 20.72% | 15.96% | 5.48% |
| Q4 2025 | $157.7M | $205.5M | 18.51% | 14.57% | 5.39% |
| Q1 2026 | $155.0M | $205.8M | 19.24% | 13.26% | 5.78% |
| Q2 2026 | $158.1M | $215.5M | 22.16% | 13.30% | 5.25% |
Center National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Center National 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 Center National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10976) · FFIEC NIC profile (RSSD 1017957)