Entrebank: 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 Construction concentration (Tier 1 capital + allowance): 12.14 percentage points higher than in Q1 2026, at 51.38%. Within Minnesota, Entrebank is 44th of 221 on loan-to-deposit ratio, 95.95% as of Q2 2026. Entrebank reported 95.95% on loan-to-deposit ratio for Q2 2026, 15.40 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $455.1M |
| Net loans and leases | $450.0M |
| Loans held for sale | $0 |
| Loans to total assets | 86.34% |
| Loan-to-deposit ratio | 95.95% |
| Net loans to equity capital | 9.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.41% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 52.65% |
| Consumer | 0.63% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.90% |
| Construction concentration (Tier 1 capital + allowance) | 51.38% |
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 | 7.69% |
| Interest income on loans | $8.4M |
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 | $153.3M | $156.5M | 54.46% | 26.32% | 0.90% |
| Q4 2023 | $187.3M | $173.1M | 52.97% | 26.97% | 0.03% |
| Q1 2024 | $217.0M | $194.9M | 52.10% | 29.98% | 0.02% |
| Q2 2024 | $225.5M | $233.6M | 53.10% | 31.68% | 0.01% |
| Q3 2024 | $244.5M | $297.1M | 51.01% | 33.98% | 0.32% |
| Q4 2024 | $290.9M | $321.0M | 42.15% | 41.78% | 0.47% |
| Q1 2025 | $315.2M | $346.6M | 43.91% | 44.70% | 0.44% |
| Q2 2025 | $320.5M | $360.7M | 40.73% | 47.42% | 0.52% |
| Q3 2025 | $358.5M | $385.7M | 37.74% | 49.94% | 1.12% |
| Q4 2025 | $416.7M | $435.8M | 34.21% | 55.28% | 0.33% |
| Q1 2026 | $432.8M | $450.8M | 33.11% | 54.00% | 0.29% |
| Q2 2026 | $455.1M | $474.3M | 32.41% | 52.65% | 0.63% |
Entrebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Entrebank, 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 Entrebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59287) · FFIEC NIC profile (RSSD 5660146)