The First National Bank of Gilbert: 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 10.21 percentage points in Q2 2026, from 24.17% to 34.38%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Gilbert ranks 55th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 92.14% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The First National Bank of Gilbert sits 24.21 points higher, at 92.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $70.0M |
| Net loans and leases | $69.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.42% |
| Loan-to-deposit ratio | 92.14% |
| Net loans to equity capital | 11.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.39% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.05% |
| Consumer | 5.79% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.54% |
| Construction concentration (Tier 1 capital + allowance) | 34.38% |
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 | 5.66% |
| Interest income on loans | $978K |
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 | $60.9M | $59.1M | 8.29% | 5.34% | 6.39% |
| Q4 2023 | $61.7M | $63.0M | 8.18% | 6.02% | 5.20% |
| Q1 2024 | $61.8M | $61.8M | 7.97% | 5.83% | 5.65% |
| Q2 2024 | $62.3M | $63.9M | 8.27% | 6.16% | 5.69% |
| Q3 2024 | $63.5M | $68.4M | 8.50% | 6.15% | 6.37% |
| Q4 2024 | $62.8M | $71.2M | 8.51% | 6.74% | 5.74% |
| Q1 2025 | $63.6M | $70.6M | 8.51% | 6.79% | 5.65% |
| Q2 2025 | $64.8M | $70.4M | 8.20% | 6.58% | 6.11% |
| Q3 2025 | $67.0M | $70.7M | 8.07% | 6.55% | 5.78% |
| Q4 2025 | $68.4M | $73.3M | 7.96% | 6.32% | 5.63% |
| Q1 2026 | $68.7M | $77.5M | 7.81% | 5.90% | 5.54% |
| Q2 2026 | $70.0M | $76.0M | 7.39% | 6.05% | 5.79% |
The First National Bank of Gilbert loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Gilbert, 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 The First National Bank of Gilbert profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5150) · FFIEC NIC profile (RSSD 975452)