First National Bank Minnesota: 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): 10.11 percentage points lower than in Q1 2026, at 22.40%. First National Bank Minnesota ranks 73rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 88.09% (Q2 2026). First National Bank Minnesota reported 88.09% on loan-to-deposit ratio for Q2 2026, 7.26 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $328.7M |
| Net loans and leases | $324.5M |
| Loans held for sale | $0 |
| Loans to total assets | 75.09% |
| Loan-to-deposit ratio | 88.09% |
| Net loans to equity capital | 7.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.73% |
| Multifamily (5+ residential) | 8.51% |
| Commercial and industrial | 12.69% |
| Consumer | 1.81% |
| Credit cards | 0.00% |
| Farm | 9.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 226.72% |
| Construction concentration (Tier 1 capital + allowance) | 22.40% |
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 | 6.17% |
| Interest income on loans | $5.1M |
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 | $339.3M | $388.2M | 29.34% | 14.47% | 2.31% |
| Q4 2023 | $338.6M | $400.8M | 30.73% | 14.13% | 1.93% |
| Q1 2024 | $336.3M | $382.6M | 30.16% | 14.70% | 1.90% |
| Q2 2024 | $344.9M | $383.9M | 30.35% | 14.61% | 2.17% |
| Q3 2024 | $341.1M | $381.1M | 30.66% | 14.48% | 1.79% |
| Q4 2024 | $339.9M | $393.5M | 30.10% | 12.67% | 1.90% |
| Q1 2025 | $327.8M | $379.1M | 30.30% | 12.75% | 1.61% |
| Q2 2025 | $326.8M | $365.8M | 30.23% | 11.59% | 1.81% |
| Q3 2025 | $326.5M | $365.4M | 29.49% | 11.42% | 2.18% |
| Q4 2025 | $338.7M | $386.4M | 30.40% | 11.81% | 2.97% |
| Q1 2026 | $330.8M | $370.4M | 30.95% | 12.73% | 1.89% |
| Q2 2026 | $328.7M | $373.1M | 30.73% | 12.69% | 1.81% |
First National Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5247) · FFIEC NIC profile (RSSD 197759)