Community Bank Mankato: 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 15.31 percentage points in Q3 2026, from 333.32% to 318.01%. It was the largest change from Q2 2026 among the key lines here. Community Bank Mankato ranks 38th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 98.08% (Q3 2026). Community Bank Mankato reported 98.08% on loan-to-deposit ratio for Q3 2026, 17.24 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $466.0M |
| Net loans and leases | $461.6M |
| Loans held for sale | $6K |
| Loans to total assets | 86.83% |
| Loan-to-deposit ratio | 98.08% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.40% |
| Multifamily (5+ residential) | 30.68% |
| Commercial and industrial | 8.05% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 4.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 318.01% |
| Construction concentration (Tier 1 capital + allowance) | 24.60% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.90% |
| Interest income on loans | $6.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $494.7M | $436.7M | 28.49% | 8.63% | 0.82% |
| Q1 2024 | $505.4M | $438.3M | 29.10% | 7.79% | 0.78% |
| Q2 2024 | $509.4M | $444.0M | 29.04% | 8.01% | 0.80% |
| Q3 2024 | $515.3M | $453.2M | 28.69% | 7.84% | 0.98% |
| Q4 2024 | $508.9M | $455.3M | 31.18% | 8.00% | 0.93% |
| Q1 2025 | $499.0M | $479.4M | 30.10% | 8.30% | 0.80% |
| Q2 2025 | $493.2M | $469.8M | 30.93% | 8.32% | 0.79% |
| Q3 2025 | $483.6M | $477.8M | 32.68% | 7.91% | 0.63% |
| Q4 2025 | $481.8M | $471.4M | 33.02% | 7.32% | 0.52% |
| Q1 2026 | $479.1M | $473.6M | 32.34% | 7.91% | 1.02% |
| Q2 2026 | $475.6M | $473.9M | 33.71% | 8.26% | 0.60% |
| Q3 2026 | $466.0M | $475.1M | 32.40% | 8.05% | 0.60% |
Community Bank Mankato loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Mankato, 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 Community Bank Mankato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)