First 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.
Construction concentration (tier 1 capital + allowance) climbed 5.15 percentage points in Q2 2026, from 25.78% to 30.94%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First National Bank is 148th of 221 on loan-to-deposit ratio, 72.37% as of Q2 2026, below the middle of the field. First National Bank reported 72.37% on loan-to-deposit ratio for Q2 2026, 8.47 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.6M |
| Net loans and leases | $85.7M |
| Loans held for sale | $0 |
| Loans to total assets | 67.06% |
| Loan-to-deposit ratio | 72.37% |
| Net loans to equity capital | 9.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.65% |
| Multifamily (5+ residential) | 0.43% |
| Commercial and industrial | 13.36% |
| Consumer | 14.02% |
| Credit cards | 0.00% |
| Farm | 13.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.91% |
| Construction concentration (Tier 1 capital + allowance) | 30.94% |
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 | 6.63% |
| Interest income on loans | $1.4M |
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 | $68.4M | $102.8M | 6.50% | 12.90% | 15.90% |
| Q4 2023 | $68.9M | $105.8M | 6.34% | 12.47% | 15.75% |
| Q1 2024 | $69.9M | $103.5M | 6.41% | 12.99% | 15.29% |
| Q2 2024 | $72.5M | $103.5M | 6.44% | 13.53% | 14.85% |
| Q3 2024 | $73.7M | $107.4M | 6.14% | 12.98% | 15.23% |
| Q4 2024 | $73.7M | $111.1M | 6.06% | 12.64% | 15.39% |
| Q1 2025 | $76.2M | $110.6M | 5.90% | 13.26% | 15.23% |
| Q2 2025 | $79.7M | $111.5M | 5.81% | 13.74% | 14.71% |
| Q3 2025 | $81.5M | $117.2M | 5.29% | 13.42% | 14.64% |
| Q4 2025 | $82.1M | $118.7M | 5.27% | 12.99% | 14.33% |
| Q1 2026 | $83.0M | $116.2M | 4.95% | 13.55% | 13.57% |
| Q2 2026 | $86.6M | $119.7M | 4.65% | 13.36% | 14.02% |
First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5087) · FFIEC NIC profile (RSSD 392255)