Cornerstone State 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 Farm: 3.18 percentage points lower than in Q1 2026, at 2.48%. Within Minnesota, Cornerstone State Bank is 166th of 221 on loan-to-deposit ratio, 68.07% as of Q2 2026. Cornerstone State Bank reported 68.07% on loan-to-deposit ratio for Q2 2026, 12.49 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.4M |
| Net loans and leases | $150.3M |
| Loans held for sale | $170K |
| Loans to total assets | 61.73% |
| Loan-to-deposit ratio | 68.07% |
| Net loans to equity capital | 7.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.15% |
| Multifamily (5+ residential) | 5.47% |
| Commercial and industrial | 5.20% |
| Consumer | 7.25% |
| Credit cards | 0.00% |
| Farm | 2.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.75% |
| Construction concentration (Tier 1 capital + allowance) | 32.37% |
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 | 6.84% |
| Interest income on loans | $2.6M |
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 | $128.9M | $205.4M | 15.39% | 6.47% | 9.50% |
| Q4 2023 | $133.8M | $207.7M | 14.11% | 7.32% | 9.44% |
| Q1 2024 | $138.5M | $207.7M | 15.29% | 6.28% | 9.33% |
| Q2 2024 | $141.4M | $205.2M | 15.47% | 6.03% | 8.99% |
| Q3 2024 | $142.6M | $209.7M | 15.02% | 5.52% | 9.71% |
| Q4 2024 | $149.8M | $216.2M | 17.53% | 4.54% | 9.11% |
| Q1 2025 | $150.4M | $213.5M | 17.36% | 5.57% | 8.98% |
| Q2 2025 | $146.9M | $214.0M | 17.34% | 5.26% | 8.03% |
| Q3 2025 | $145.6M | $211.6M | 17.61% | 5.01% | 8.73% |
| Q4 2025 | $154.1M | $218.8M | 18.62% | 5.24% | 7.80% |
| Q1 2026 | $155.9M | $221.5M | 17.89% | 4.58% | 7.29% |
| Q2 2026 | $152.4M | $223.9M | 18.15% | 5.20% | 7.25% |
Cornerstone State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone State 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 Cornerstone State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21525) · FFIEC NIC profile (RSSD 914853)