First National Bank North: 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) dropped 3.37 percentage points in Q2 2026, from 89.15% to 85.78%. It was the largest change from Q1 2026 among the key lines here. First National Bank North ranks 89th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 85.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank North sits 4.56 points higher, at 85.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $645.9M |
| Net loans and leases | $635.9M |
| Loans held for sale | $1.2M |
| Loans to total assets | 74.72% |
| Loan-to-deposit ratio | 85.40% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.87% |
| Multifamily (5+ residential) | 2.13% |
| Commercial and industrial | 7.83% |
| Consumer | 8.98% |
| Credit cards | 0.24% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.78% |
| Construction concentration (Tier 1 capital + allowance) | 56.53% |
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 | 7.56% |
| Interest income on loans | $11.5M |
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 | $541.5M | $683.3M | 20.34% | 7.10% | 11.82% |
| Q4 2023 | $550.4M | $668.2M | 20.39% | 7.22% | 11.29% |
| Q1 2024 | $550.2M | $638.8M | 20.66% | 7.84% | 11.18% |
| Q2 2024 | $553.7M | $651.4M | 20.10% | 7.86% | 11.10% |
| Q3 2024 | $553.2M | $692.6M | 19.88% | 7.53% | 10.87% |
| Q4 2024 | $557.4M | $698.1M | 19.91% | 7.66% | 10.52% |
| Q1 2025 | $573.8M | $680.9M | 20.14% | 7.91% | 10.16% |
| Q2 2025 | $585.0M | $701.3M | 19.81% | 7.91% | 10.12% |
| Q3 2025 | $600.5M | $723.5M | 19.41% | 7.82% | 10.02% |
| Q4 2025 | $616.4M | $745.6M | 19.40% | 8.12% | 9.34% |
| Q1 2026 | $623.3M | $735.0M | 19.13% | 8.25% | 9.15% |
| Q2 2026 | $645.9M | $756.3M | 18.87% | 7.83% | 8.98% |
First National Bank North loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank North, 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 North profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5269) · FFIEC NIC profile (RSSD 805755)