The First National Bank of Milaca: 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 CRE concentration (Tier 1 capital + allowance): 5.63 percentage points higher than in Q1 2026, at 87.59%. Within Minnesota, The First National Bank of Milaca is 132nd of 221 on loan-to-deposit ratio, 76.24% as of Q2 2026, below the middle of the field. The First National Bank of Milaca reported 76.24% on loan-to-deposit ratio for Q2 2026, 4.71 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $198.1M |
| Net loans and leases | $196.0M |
| Loans held for sale | $0 |
| Loans to total assets | 67.55% |
| Loan-to-deposit ratio | 76.24% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.46% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 20.65% |
| Consumer | 6.37% |
| Credit cards | 0.27% |
| Farm | 6.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.59% |
| Construction concentration (Tier 1 capital + allowance) | 37.67% |
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 | 6.96% |
| Interest income on loans | $3.4M |
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 | $171.9M | $257.6M | 18.53% | 24.73% | 7.52% |
| Q4 2023 | $172.8M | $252.3M | 19.34% | 22.81% | 7.73% |
| Q1 2024 | $174.7M | $241.9M | 19.16% | 24.31% | 7.47% |
| Q2 2024 | $178.4M | $246.2M | 18.89% | 24.98% | 7.32% |
| Q3 2024 | $180.6M | $251.4M | 19.97% | 24.96% | 7.22% |
| Q4 2024 | $175.9M | $252.2M | 19.08% | 22.58% | 7.27% |
| Q1 2025 | $177.8M | $256.4M | 20.12% | 22.39% | 7.02% |
| Q2 2025 | $182.1M | $247.2M | 19.31% | 22.42% | 6.91% |
| Q3 2025 | $183.0M | $257.4M | 19.78% | 21.86% | 6.83% |
| Q4 2025 | $183.4M | $253.8M | 20.03% | 20.75% | 6.68% |
| Q1 2026 | $187.5M | $256.1M | 20.46% | 20.85% | 6.64% |
| Q2 2026 | $198.1M | $259.8M | 20.46% | 20.65% | 6.37% |
The First National Bank of Milaca 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 Milaca, 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 Milaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5198) · FFIEC NIC profile (RSSD 924357)