First Resource Bank: 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 Loan-to-deposit ratio: 14.88 percentage points lower than in Q1 2026, at 88.40%. First Resource Bank ranks 69th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 88.40% (Q2 2026). At 88.40%, First Resource Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $789.7M |
| Net loans and leases | $781.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.81% |
| Loan-to-deposit ratio | 88.40% |
| Net loans to equity capital | 7.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.16% |
| Multifamily (5+ residential) | 14.43% |
| Commercial and industrial | 18.01% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.31% |
| Construction concentration (Tier 1 capital + allowance) | 45.32% |
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 | 5.77% |
| Interest income on loans | $11.1M |
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 | $470.5M | $428.2M | 28.48% | 14.33% | 0.66% |
| Q4 2023 | $485.1M | $446.4M | 30.23% | 15.11% | 0.76% |
| Q1 2024 | $491.2M | $451.0M | 30.20% | 14.92% | 1.07% |
| Q2 2024 | $527.7M | $468.6M | 29.98% | 17.83% | 1.15% |
| Q3 2024 | $544.1M | $512.1M | 30.62% | 17.66% | 0.90% |
| Q4 2024 | $563.0M | $529.5M | 28.89% | 18.02% | 0.95% |
| Q1 2025 | $569.2M | $556.7M | 29.77% | 18.13% | 1.22% |
| Q2 2025 | $619.5M | $601.6M | 29.72% | 19.51% | 1.08% |
| Q3 2025 | $653.6M | $649.3M | 29.70% | 18.62% | 1.05% |
| Q4 2025 | $684.7M | $688.4M | 30.58% | 17.73% | 1.13% |
| Q1 2026 | $711.0M | $688.4M | 28.36% | 19.64% | 0.87% |
| Q2 2026 | $789.7M | $893.3M | 29.16% | 18.01% | 1.13% |
First Resource Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Resource Bank, 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 Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58039) · FFIEC NIC profile (RSSD 3314043)