First Security Bank - Canby: 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: 3.17 percentage points higher than in Q1 2026, at 52.42%. First Security Bank - Canby has the 22nd lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 52.42% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Security Bank - Canby sits 15.21 points lower, at 52.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.0M |
| Net loans and leases | $37.6M |
| Loans held for sale | $0 |
| Loans to total assets | 44.63% |
| Loan-to-deposit ratio | 52.42% |
| Net loans to equity capital | 3.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.78% |
| Multifamily (5+ residential) | 1.94% |
| Commercial and industrial | 21.63% |
| Consumer | 4.81% |
| Credit cards | 0.00% |
| Farm | 35.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.65% |
| Construction concentration (Tier 1 capital + allowance) | 2.32% |
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 | 6.51% |
| Interest income on loans | $595K |
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 | $37.6M | $71.2M | 15.80% | 31.54% | 3.88% |
| Q4 2023 | $38.2M | $72.2M | 15.29% | 34.56% | 3.83% |
| Q1 2024 | $36.8M | $70.7M | 16.62% | 34.49% | 4.20% |
| Q2 2024 | $38.4M | $69.6M | 16.76% | 34.64% | 4.32% |
| Q3 2024 | $40.3M | $68.8M | 15.39% | 33.88% | 5.15% |
| Q4 2024 | $38.8M | $68.2M | 15.66% | 32.54% | 4.74% |
| Q1 2025 | $38.6M | $71.0M | 15.53% | 31.35% | 4.92% |
| Q2 2025 | $38.1M | $70.1M | 15.62% | 30.01% | 4.71% |
| Q3 2025 | $37.7M | $69.9M | 12.71% | 28.69% | 4.79% |
| Q4 2025 | $38.8M | $73.4M | 8.08% | 27.92% | 5.23% |
| Q1 2026 | $36.4M | $73.9M | 9.08% | 21.66% | 5.13% |
| Q2 2026 | $38.0M | $72.5M | 8.78% | 21.63% | 4.81% |
First Security Bank - Canby loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank - Canby, 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 Security Bank - Canby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5107) · FFIEC NIC profile (RSSD 339353)