First State Bank and Trust: 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): 21.36 percentage points higher than in Q1 2026, at 208.01%. First State Bank and Trust ranks 147th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 72.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank and Trust sits 8.41 points lower, at 72.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $329.9M |
| Net loans and leases | $325.9M |
| Loans held for sale | $15K |
| Loans to total assets | 66.10% |
| Loan-to-deposit ratio | 72.42% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.49% |
| Multifamily (5+ residential) | 4.58% |
| Commercial and industrial | 8.18% |
| Consumer | 2.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 4.55% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.01% |
| Construction concentration (Tier 1 capital + allowance) | 63.07% |
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 | 6.23% |
| Interest income on loans | $5.0M |
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 | $252.9M | $349.4M | 24.00% | 9.52% | 3.66% |
| Q4 2023 | $270.0M | $372.1M | 23.64% | 9.22% | 3.87% |
| Q1 2024 | $273.6M | $364.8M | 23.38% | 9.08% | 3.81% |
| Q2 2024 | $274.6M | $343.4M | 24.48% | 8.55% | 4.09% |
| Q3 2024 | $281.8M | $364.7M | 24.58% | 9.03% | 4.11% |
| Q4 2024 | $286.8M | $387.3M | 23.34% | 9.02% | 3.18% |
| Q1 2025 | $301.8M | $372.7M | 26.15% | 8.41% | 2.83% |
| Q2 2025 | $314.6M | $363.2M | 27.34% | 8.54% | 2.60% |
| Q3 2025 | $306.4M | $384.6M | 28.40% | 8.62% | 3.08% |
| Q4 2025 | $302.4M | $430.4M | 28.68% | 8.49% | 3.05% |
| Q1 2026 | $310.7M | $429.3M | 29.59% | 8.60% | 2.87% |
| Q2 2026 | $329.9M | $455.4M | 30.49% | 8.18% | 2.61% |
First State Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust, 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 State Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10159) · FFIEC NIC profile (RSSD 144856)