First Southeast 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.
CRE concentration (Tier 1 capital + allowance) dropped 1.84 percentage points in Q2 2026, from 156.90% to 155.06%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, First Southeast Bank sits 6th from the top on loan-to-deposit ratio, 118.35% as of Q2 2026. First Southeast Bank reported 118.35% on loan-to-deposit ratio for Q2 2026, 37.80 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.3M |
| Net loans and leases | $136.0M |
| Loans held for sale | $0 |
| Loans to total assets | 86.77% |
| Loan-to-deposit ratio | 118.35% |
| Net loans to equity capital | 11.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.46% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 11.90% |
| Consumer | 3.55% |
| Credit cards | 0.00% |
| Farm | 33.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.06% |
| Construction concentration (Tier 1 capital + allowance) | 19.70% |
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 | 6.37% |
| Interest income on loans | $2.1M |
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 | $93.6M | $98.0M | 9.47% | 10.99% | 4.15% |
| Q4 2023 | $97.7M | $108.3M | 9.73% | 10.94% | 5.26% |
| Q1 2024 | $102.7M | $104.1M | 9.45% | 11.03% | 4.04% |
| Q2 2024 | $105.9M | $102.6M | 9.25% | 10.56% | 4.05% |
| Q3 2024 | $109.3M | $110.3M | 10.91% | 10.78% | 4.35% |
| Q4 2024 | $115.6M | $103.4M | 10.38% | 10.91% | 3.92% |
| Q1 2025 | $118.5M | $110.2M | 10.82% | 11.54% | 3.77% |
| Q2 2025 | $124.5M | $106.6M | 12.07% | 11.40% | 3.80% |
| Q3 2025 | $128.4M | $110.7M | 11.13% | 11.21% | 3.60% |
| Q4 2025 | $133.0M | $117.2M | 11.16% | 12.47% | 3.51% |
| Q1 2026 | $133.7M | $111.6M | 11.80% | 12.43% | 3.54% |
| Q2 2026 | $137.3M | $116.0M | 11.46% | 11.90% | 3.55% |
First Southeast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southeast 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 Southeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10576) · FFIEC NIC profile (RSSD 22552)