The Citizens National Bank of Park Rapids: 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) climbed 3.82 percentage points in Q2 2026, from 118.85% to 122.68%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The Citizens National Bank of Park Rapids is 67th of 221 on loan-to-deposit ratio, 89.86% as of Q2 2026, above the middle of the field. The Citizens National Bank of Park Rapids reported 89.86% on loan-to-deposit ratio for Q2 2026, 9.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $312.8M |
| Net loans and leases | $307.7M |
| Loans held for sale | $0 |
| Loans to total assets | 78.79% |
| Loan-to-deposit ratio | 89.86% |
| Net loans to equity capital | 6.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.42% |
| Multifamily (5+ residential) | 4.07% |
| Commercial and industrial | 7.58% |
| Consumer | 4.64% |
| Credit cards | 0.50% |
| Farm | 4.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.68% |
| Construction concentration (Tier 1 capital + allowance) | 51.18% |
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 | 6.87% |
| Interest income on loans | $5.1M |
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 | $285.7M | $298.9M | 20.59% | 8.06% | 7.49% |
| Q4 2023 | $284.2M | $291.0M | 20.46% | 7.80% | 7.33% |
| Q1 2024 | $282.0M | $284.6M | 21.48% | 7.92% | 7.16% |
| Q2 2024 | $287.0M | $302.7M | 22.43% | 7.77% | 6.25% |
| Q3 2024 | $290.6M | $300.1M | 21.73% | 7.11% | 6.08% |
| Q4 2024 | $290.5M | $305.3M | 21.77% | 7.16% | 5.68% |
| Q1 2025 | $279.8M | $305.4M | 23.59% | 7.19% | 5.30% |
| Q2 2025 | $285.8M | $339.7M | 23.29% | 8.24% | 5.41% |
| Q3 2025 | $295.7M | $327.2M | 22.07% | 8.02% | 5.01% |
| Q4 2025 | $302.3M | $326.5M | 22.01% | 7.85% | 4.87% |
| Q1 2026 | $300.2M | $331.0M | 22.97% | 8.57% | 4.75% |
| Q2 2026 | $312.8M | $348.1M | 22.42% | 7.58% | 4.64% |
The Citizens National Bank of Park Rapids loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of Park Rapids, 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 The Citizens National Bank of Park Rapids profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5223) · FFIEC NIC profile (RSSD 877752)