First Bank Blue Earth: 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): 7.15 percentage points higher than in Q1 2026, at 92.99%. Within Minnesota, First Bank Blue Earth is 135th of 221 on loan-to-deposit ratio, 74.95% as of Q2 2026, below the middle of the field. First Bank Blue Earth reported 74.95% on loan-to-deposit ratio for Q2 2026, 5.89 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $212.2M |
| Net loans and leases | $209.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.77% |
| Loan-to-deposit ratio | 74.95% |
| Net loans to equity capital | 8.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.96% |
| Consumer | 2.03% |
| Credit cards | 0.00% |
| Farm | 39.28% |
| Loans to depository institutions | 0.11% |
| State and political subdivisions | 0.96% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.99% |
| Construction concentration (Tier 1 capital + allowance) | 34.51% |
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 | 6.08% |
| Interest income on loans | $3.2M |
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 | $180.6M | $260.9M | 15.06% | 9.34% | 2.22% |
| Q4 2023 | $196.1M | $267.2M | 13.90% | 8.76% | 2.02% |
| Q1 2024 | $188.5M | $249.6M | 15.42% | 9.02% | 2.19% |
| Q2 2024 | $198.2M | $252.7M | 15.36% | 10.44% | 2.13% |
| Q3 2024 | $198.6M | $262.3M | 15.07% | 9.06% | 2.37% |
| Q4 2024 | $203.3M | $271.2M | 14.19% | 8.48% | 2.22% |
| Q1 2025 | $205.9M | $262.7M | 14.16% | 8.37% | 2.26% |
| Q2 2025 | $210.2M | $266.2M | 13.60% | 9.74% | 2.18% |
| Q3 2025 | $213.2M | $263.1M | 13.34% | 9.73% | 2.25% |
| Q4 2025 | $213.4M | $280.9M | 11.77% | 9.02% | 2.35% |
| Q1 2026 | $202.6M | $281.8M | 11.63% | 7.38% | 1.94% |
| Q2 2026 | $212.2M | $283.2M | 11.20% | 7.96% | 2.03% |
First Bank Blue Earth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Blue Earth, 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 First Bank Blue Earth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5097) · FFIEC NIC profile (RSSD 147857)