Currie 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 CRE concentration (Tier 1 capital + allowance): 1.11 percentage points lower than in Q1 2026, at 20.46%. Within Minnesota, Currie State Bank is 35th of 221 on loan-to-deposit ratio, 100.17% as of Q2 2026, above the middle of the field. Currie State Bank reported 100.17% on loan-to-deposit ratio for Q2 2026, 32.55 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.4M |
| Net loans and leases | $87.1M |
| Loans held for sale | $0 |
| Loans to total assets | 88.43% |
| Loan-to-deposit ratio | 100.17% |
| Net loans to equity capital | 8.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.86% |
| Multifamily (5+ residential) | 2.15% |
| Commercial and industrial | 8.49% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 40.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.46% |
| Construction concentration (Tier 1 capital + allowance) | 1.08% |
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 | 6.92% |
| Interest income on loans | $1.6M |
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 | $83.1M | $77.8M | 6.18% | 10.16% | 2.18% |
| Q4 2023 | $88.8M | $82.0M | 5.73% | 8.17% | 2.05% |
| Q1 2024 | $86.3M | $77.6M | 5.83% | 8.80% | 2.17% |
| Q2 2024 | $92.0M | $84.2M | 4.30% | 8.74% | 2.01% |
| Q3 2024 | $86.7M | $83.8M | 4.85% | 8.49% | 1.99% |
| Q4 2024 | $92.0M | $85.6M | 4.60% | 7.62% | 1.81% |
| Q1 2025 | $92.6M | $88.5M | 3.52% | 9.21% | 1.74% |
| Q2 2025 | $95.5M | $90.4M | 3.58% | 10.05% | 1.64% |
| Q3 2025 | $92.5M | $91.0M | 3.70% | 9.85% | 1.60% |
| Q4 2025 | $96.1M | $89.3M | 3.18% | 8.01% | 1.48% |
| Q1 2026 | $87.2M | $86.2M | 3.43% | 8.20% | 1.56% |
| Q2 2026 | $88.4M | $88.3M | 3.86% | 8.49% | 1.58% |
Currie State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Currie 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 Currie State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8833) · FFIEC NIC profile (RSSD 343958)