The First National Bank of Proctor: 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): 5.10 percentage points higher than in Q1 2026, at 40.72%. The First National Bank of Proctor has the 15th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 44.73% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Proctor sits 22.90 points lower, at 44.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.9M |
| Net loans and leases | $13.8M |
| Loans held for sale | $0 |
| Loans to total assets | 40.91% |
| Loan-to-deposit ratio | 44.73% |
| Net loans to equity capital | 4.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.16% |
| Consumer | 8.74% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.72% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.65% |
| Interest income on loans | $194K |
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 | $15.3M | $28.1M | 10.41% | 4.02% | 10.09% |
| Q4 2023 | $15.2M | $28.6M | 9.89% | 3.38% | 9.51% |
| Q1 2024 | $15.4M | $28.8M | 10.54% | 3.22% | 9.38% |
| Q2 2024 | $15.3M | $28.2M | 10.23% | 2.57% | 8.72% |
| Q3 2024 | $15.5M | $28.6M | 11.76% | 2.15% | 8.57% |
| Q4 2024 | $15.1M | $29.7M | 11.22% | 1.85% | 8.29% |
| Q1 2025 | $15.0M | $30.7M | 11.23% | 1.86% | 7.63% |
| Q2 2025 | $14.6M | $31.1M | 9.44% | 2.02% | 7.36% |
| Q3 2025 | $14.3M | $31.6M | 9.21% | 1.81% | 7.41% |
| Q4 2025 | $13.9M | $31.6M | 9.14% | 2.12% | 8.24% |
| Q1 2026 | $13.7M | $31.6M | 9.08% | 1.79% | 8.32% |
| Q2 2026 | $13.9M | $31.1M | 10.13% | 1.16% | 8.74% |
The First National Bank of Proctor 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 Proctor, 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 Proctor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5232) · FFIEC NIC profile (RSSD 731957)