Eagle Rock 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): 58.48 percentage points higher than in Q1 2026, at 289.25%. Eagle Rock Bank ranks 24th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 103.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Eagle Rock Bank sits 22.74 points higher, at 103.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $435.8M |
| Net loans and leases | $431.0M |
| Loans held for sale | $0 |
| Loans to total assets | 85.76% |
| Loan-to-deposit ratio | 103.58% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.92% |
| Multifamily (5+ residential) | 8.63% |
| Commercial and industrial | 16.78% |
| Consumer | 0.47% |
| Credit cards | 0.00% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 289.25% |
| Construction concentration (Tier 1 capital + allowance) | 109.73% |
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 | 6.99% |
| Interest income on loans | $5.9M |
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 | $191.7M | $169.7M | 29.44% | 22.63% | 1.26% |
| Q4 2023 | $193.1M | $183.3M | 29.12% | 21.02% | 1.29% |
| Q1 2024 | $197.2M | $175.6M | 31.43% | 17.98% | 1.10% |
| Q2 2024 | $211.1M | $188.9M | 28.93% | 22.26% | 1.01% |
| Q3 2024 | $214.8M | $207.6M | 29.03% | 23.18% | 0.97% |
| Q4 2024 | $209.7M | $203.5M | 29.87% | 22.21% | 0.99% |
| Q1 2025 | $218.2M | $212.1M | 31.06% | 20.93% | 0.91% |
| Q2 2025 | $222.1M | $213.2M | 31.80% | 22.69% | 0.82% |
| Q3 2025 | $228.5M | $211.3M | 28.85% | 23.68% | 0.81% |
| Q4 2025 | $210.9M | $220.6M | 32.47% | 16.83% | 0.81% |
| Q1 2026 | $211.7M | $230.4M | 29.64% | 18.45% | 0.76% |
| Q2 2026 | $435.8M | $420.8M | 27.92% | 16.78% | 0.47% |
Eagle Rock Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle Rock 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 Eagle Rock Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34171) · FFIEC NIC profile (RSSD 2391588)