Community Bank Owatonna: 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 CRE concentration (Tier 1 capital + allowance): 7.95 percentage points lower than in Q1 2026, at 151.72%. Community Bank Owatonna ranks 125th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank Owatonna sits 3.52 points lower, at 77.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.2M |
| Net loans and leases | $72.5M |
| Loans held for sale | $0 |
| Loans to total assets | 70.88% |
| Loan-to-deposit ratio | 77.32% |
| Net loans to equity capital | 9.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.28% |
| Multifamily (5+ residential) | 8.98% |
| Commercial and industrial | 15.14% |
| Consumer | 2.11% |
| Credit cards | 0.00% |
| Farm | 1.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.72% |
| Construction concentration (Tier 1 capital + allowance) | 21.93% |
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 | 6.94% |
| Interest income on loans | $1.3M |
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 | $58.5M | $84.5M | 20.74% | 10.12% | 1.70% |
| Q4 2023 | $63.4M | $85.7M | 19.64% | 11.23% | 1.79% |
| Q1 2024 | $61.4M | $85.8M | 20.06% | 11.12% | 1.86% |
| Q2 2024 | $62.1M | $82.3M | 19.04% | 12.48% | 2.21% |
| Q3 2024 | $63.5M | $85.8M | 18.93% | 12.96% | 2.24% |
| Q4 2024 | $63.7M | $86.3M | 18.19% | 11.74% | 2.15% |
| Q1 2025 | $66.0M | $87.2M | 16.56% | 15.35% | 2.12% |
| Q2 2025 | $65.2M | $86.4M | 17.37% | 15.85% | 2.02% |
| Q3 2025 | $66.6M | $87.6M | 17.31% | 15.95% | 1.88% |
| Q4 2025 | $72.0M | $90.3M | 16.26% | 15.09% | 1.67% |
| Q1 2026 | $73.4M | $92.2M | 16.57% | 14.38% | 1.80% |
| Q2 2026 | $73.2M | $94.7M | 17.28% | 15.14% | 2.11% |
Community Bank Owatonna loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Owatonna, 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 Owatonna profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57468) · FFIEC NIC profile (RSSD 3139321)