Crown 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.
CRE concentration (Tier 1 capital + allowance) dropped 85.65 percentage points in Q2 2026, from 554.28% to 468.63%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Crown Bank is 56th of 221 on loan-to-deposit ratio, 92.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Crown Bank sits 11.58 points higher, at 92.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $306.6M |
| Net loans and leases | $302.9M |
| Loans held for sale | $0 |
| Loans to total assets | 76.26% |
| Loan-to-deposit ratio | 92.13% |
| Net loans to equity capital | 9.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.57% |
| Multifamily (5+ residential) | 9.41% |
| Commercial and industrial | 31.51% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.82% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 468.63% |
| Construction concentration (Tier 1 capital + allowance) | 46.79% |
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 | 6.55% |
| Interest income on loans | $5.4M |
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 | $313.0M | $311.4M | 37.84% | 42.18% | 0.54% |
| Q4 2023 | $314.7M | $303.0M | 41.07% | 37.63% | 0.52% |
| Q1 2024 | $333.2M | $314.8M | 37.57% | 36.67% | 0.77% |
| Q2 2024 | $359.9M | $330.7M | 37.49% | 35.18% | 0.78% |
| Q3 2024 | $349.8M | $344.5M | 40.19% | 33.65% | 0.69% |
| Q4 2024 | $346.4M | $349.8M | 42.27% | 31.65% | 1.13% |
| Q1 2025 | $346.6M | $347.7M | 41.77% | 30.84% | 0.94% |
| Q2 2025 | $340.1M | $359.2M | 41.81% | 29.83% | 0.82% |
| Q3 2025 | $340.9M | $360.5M | 40.15% | 30.51% | 0.79% |
| Q4 2025 | $343.1M | $369.5M | 38.44% | 30.56% | 0.90% |
| Q1 2026 | $335.3M | $363.7M | 39.60% | 30.17% | 1.30% |
| Q2 2026 | $306.6M | $332.8M | 39.57% | 31.51% | 0.60% |
Crown Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crown 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 Crown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35480) · FFIEC NIC profile (RSSD 2860271)