Deerwood 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): 5.47 percentage points higher than in Q1 2026, at 163.30%. Within Minnesota, Deerwood Bank is 160th of 221 on loan-to-deposit ratio, 69.28% as of Q2 2026, below the middle of the field. Deerwood Bank reported 69.28% on loan-to-deposit ratio for Q2 2026, 18.92 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $954.9M |
| Net loans and leases | $946.7M |
| Loans held for sale | $4.1M |
| Loans to total assets | 62.91% |
| Loan-to-deposit ratio | 69.28% |
| Net loans to equity capital | 7.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.99% |
| Multifamily (5+ residential) | 3.14% |
| Commercial and industrial | 20.76% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.30% |
| Construction concentration (Tier 1 capital + allowance) | 50.90% |
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 | 6.60% |
| Interest income on loans | $15.7M |
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 | $760.7M | $913.9M | 27.45% | 27.16% | 1.52% |
| Q4 2023 | $761.6M | $866.4M | 28.58% | 25.89% | 1.32% |
| Q1 2024 | $753.3M | $845.2M | 30.48% | 24.31% | 1.45% |
| Q2 2024 | $773.8M | $865.8M | 29.06% | 25.47% | 0.92% |
| Q3 2024 | $876.3M | $1.06B | 30.15% | 25.29% | 1.06% |
| Q4 2024 | $892.3M | $1.06B | 30.32% | 24.13% | 1.19% |
| Q1 2025 | $890.7M | $1.05B | 30.97% | 23.54% | 0.93% |
| Q2 2025 | $925.0M | $1.11B | 32.01% | 22.91% | 1.02% |
| Q3 2025 | $917.0M | $1.24B | 31.75% | 21.98% | 0.87% |
| Q4 2025 | $936.2M | $1.29B | 33.23% | 20.24% | 0.86% |
| Q1 2026 | $923.8M | $1.42B | 33.04% | 19.32% | 0.83% |
| Q2 2026 | $954.9M | $1.38B | 31.99% | 20.76% | 0.81% |
Deerwood Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Deerwood 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 Deerwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5123) · FFIEC NIC profile (RSSD 314257)