Community Resource 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 Loan-to-deposit ratio: 5.01 percentage points higher than in Q1 2026, at 88.11%. Within Minnesota, Community Resource Bank is 72nd of 221 on loan-to-deposit ratio, 88.11% as of Q2 2026, above the middle of the field. Community Resource Bank reported 88.11% on loan-to-deposit ratio for Q2 2026, 7.27 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $415.6M |
| Net loans and leases | $410.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.70% |
| Loan-to-deposit ratio | 88.11% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.20% |
| Multifamily (5+ residential) | 8.08% |
| Commercial and industrial | 10.53% |
| Consumer | 1.83% |
| Credit cards | 0.06% |
| Farm | 6.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 211.91% |
| Construction concentration (Tier 1 capital + allowance) | 30.19% |
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 | 6.62% |
| Interest income on loans | $6.8M |
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 | $302.6M | $330.7M | 40.39% | 13.62% | 1.15% |
| Q4 2023 | $310.6M | $326.7M | 40.44% | 13.21% | 1.35% |
| Q1 2024 | $313.3M | $325.1M | 39.84% | 13.16% | 1.25% |
| Q2 2024 | $313.0M | $319.6M | 39.56% | 13.02% | 1.34% |
| Q3 2024 | $315.9M | $312.8M | 39.96% | 12.25% | 1.19% |
| Q4 2024 | $317.8M | $301.2M | 41.85% | 11.57% | 1.18% |
| Q1 2025 | $324.0M | $311.4M | 42.37% | 12.04% | 1.07% |
| Q2 2025 | $398.4M | $452.0M | 39.76% | 13.32% | 1.37% |
| Q3 2025 | $397.8M | $452.8M | 40.07% | 12.37% | 1.32% |
| Q4 2025 | $405.4M | $446.7M | 40.57% | 11.13% | 1.64% |
| Q1 2026 | $406.3M | $489.0M | 41.04% | 11.36% | 1.76% |
| Q2 2026 | $415.6M | $471.8M | 43.20% | 10.53% | 1.83% |
Community Resource Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Resource 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 Community Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5219) · FFIEC NIC profile (RSSD 813853)