Falcon National 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) climbed 16.93 percentage points in Q2 2026, from 195.94% to 212.87%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Falcon National Bank is 42nd of 221 on loan-to-deposit ratio, 96.98% as of Q2 2026, above the middle of the field. Falcon National Bank reported 96.98% on loan-to-deposit ratio for Q2 2026, 16.14 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $745.5M |
| Net loans and leases | $731.7M |
| Loans held for sale | $0 |
| Loans to total assets | 85.46% |
| Loan-to-deposit ratio | 96.98% |
| Net loans to equity capital | 7.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.31% |
| Multifamily (5+ residential) | 12.81% |
| Commercial and industrial | 34.50% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 1.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.87% |
| Construction concentration (Tier 1 capital + allowance) | 70.42% |
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 | — |
| Interest income on loans | $13.3M |
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 | $803.6M | $813.2M | 18.85% | 44.61% | 0.31% |
| Q4 2023 | $798.9M | $828.4M | 19.42% | 44.57% | 0.30% |
| Q1 2024 | $787.1M | $795.5M | 19.24% | 43.33% | 0.33% |
| Q2 2024 | $782.9M | $794.4M | 18.13% | 42.78% | 0.31% |
| Q3 2024 | $783.5M | $802.3M | 19.28% | 42.01% | 0.35% |
| Q4 2024 | $785.4M | $887.6M | 20.17% | 40.64% | 0.32% |
| Q1 2025 | $775.4M | $829.5M | 21.27% | 40.37% | 0.32% |
| Q2 2025 | $767.8M | $789.0M | 21.95% | 39.13% | 0.30% |
| Q3 2025 | $761.9M | $814.9M | 23.10% | 38.09% | 0.30% |
| Q4 2025 | $756.2M | $820.5M | 24.40% | 35.83% | 0.31% |
| Q1 2026 | $751.7M | $785.6M | 24.46% | 35.90% | 0.29% |
| Q2 2026 | $745.5M | $768.7M | 24.31% | 34.50% | 0.25% |
Falcon National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon National 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 Falcon National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57603) · FFIEC NIC profile (RSSD 3184228)