The First National Bank of Osakis: 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) climbed 6.74 percentage points in Q2 2026, from 173.68% to 180.42%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Osakis ranks 31st of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 101.29% (Q2 2026). The First National Bank of Osakis reported 101.29% on loan-to-deposit ratio for Q2 2026, 33.67 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.0M |
| Net loans and leases | $81.2M |
| Loans held for sale | $0 |
| Loans to total assets | 84.05% |
| Loan-to-deposit ratio | 101.29% |
| Net loans to equity capital | 9.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.65% |
| Multifamily (5+ residential) | 3.57% |
| Commercial and industrial | 7.88% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 12.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.42% |
| Construction concentration (Tier 1 capital + allowance) | 63.13% |
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 | 6.46% |
| Interest income on loans | $1.3M |
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 | $73.3M | $75.9M | 16.57% | 13.65% | 3.68% |
| Q4 2023 | $72.3M | $74.7M | 18.29% | 11.18% | 3.73% |
| Q1 2024 | $72.1M | $73.4M | 16.47% | 10.08% | 3.73% |
| Q2 2024 | $73.5M | $73.5M | 15.97% | 10.02% | 3.90% |
| Q3 2024 | $74.3M | $76.1M | 17.54% | 9.44% | 3.61% |
| Q4 2024 | $75.3M | $78.8M | 18.10% | 9.62% | 3.74% |
| Q1 2025 | $75.5M | $76.3M | 17.06% | 8.68% | 3.98% |
| Q2 2025 | $77.4M | $76.3M | 17.24% | 8.29% | 3.27% |
| Q3 2025 | $77.7M | $77.0M | 17.28% | 7.94% | 3.09% |
| Q4 2025 | $77.8M | $77.9M | 17.24% | 7.68% | 2.93% |
| Q1 2026 | $80.4M | $79.7M | 16.26% | 8.68% | 2.83% |
| Q2 2026 | $82.0M | $80.9M | 16.65% | 7.88% | 2.83% |
The First National Bank of Osakis 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 Osakis, 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 Osakis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5221) · FFIEC NIC profile (RSSD 726458)