First Independent 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.
Loan-to-deposit ratio climbed 3.81 percentage points in Q2 2026, from 79.37% to 83.19%. It was the largest change from Q1 2026 among the key lines here. First Independent Bank ranks 101st of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 83.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First Independent Bank reported 83.19% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $443.4M |
| Net loans and leases | $437.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.12% |
| Loan-to-deposit ratio | 83.19% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.83% |
| Multifamily (5+ residential) | 3.91% |
| Commercial and industrial | 8.80% |
| Consumer | 1.73% |
| Credit cards | 0.00% |
| Farm | 26.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.77% |
| Construction concentration (Tier 1 capital + allowance) | 11.09% |
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 | 6.43% |
| Interest income on loans | $7.0M |
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 | $303.2M | $402.5M | 11.22% | 8.06% | 2.62% |
| Q4 2023 | $312.4M | $421.3M | 11.71% | 7.92% | 2.52% |
| Q1 2024 | $311.5M | $425.8M | 12.19% | 7.49% | 2.50% |
| Q2 2024 | $325.2M | $412.7M | 12.55% | 7.34% | 2.50% |
| Q3 2024 | $322.8M | $405.0M | 12.49% | 7.49% | 2.51% |
| Q4 2024 | $343.4M | $427.7M | 11.55% | 8.32% | 2.24% |
| Q1 2025 | $347.2M | $433.4M | 11.05% | 7.90% | 2.21% |
| Q2 2025 | $361.6M | $447.6M | 11.33% | 10.27% | 2.02% |
| Q3 2025 | $385.6M | $484.4M | 12.98% | 7.98% | 2.10% |
| Q4 2025 | $406.1M | $507.4M | 12.54% | 7.77% | 1.94% |
| Q1 2026 | $426.6M | $537.4M | 13.73% | 7.65% | 1.88% |
| Q2 2026 | $443.4M | $533.0M | 12.83% | 8.80% | 1.73% |
First Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independent 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 First Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1900) · FFIEC NIC profile (RSSD 761851)