First State Bank of Le Center: 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.
Loan-to-deposit ratio climbed 2.31 percentage points in Q2 2026, from 81.98% to 84.29%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Le Center ranks 94th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 84.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Le Center sits 3.46 points higher, at 84.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.8M |
| Net loans and leases | $76.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.46% |
| Loan-to-deposit ratio | 84.29% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.12% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.30% |
| Consumer | 8.10% |
| Credit cards | 0.00% |
| Farm | 10.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.04% |
| Construction concentration (Tier 1 capital + allowance) | 15.65% |
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 | 6.73% |
| Interest income on loans | $1.3M |
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 | $62.3M | $90.0M | 7.39% | 12.19% | 11.68% |
| Q4 2023 | $63.8M | $94.4M | 7.61% | 13.30% | 10.77% |
| Q1 2024 | $62.8M | $89.2M | 6.59% | 13.95% | 10.85% |
| Q2 2024 | $65.9M | $89.7M | 7.44% | 13.65% | 10.40% |
| Q3 2024 | $67.2M | $86.8M | 7.10% | 13.75% | 10.30% |
| Q4 2024 | $67.9M | $88.9M | 6.66% | 13.42% | 10.19% |
| Q1 2025 | $68.6M | $92.2M | 6.63% | 13.23% | 9.84% |
| Q2 2025 | $71.2M | $93.3M | 6.78% | 13.26% | 9.53% |
| Q3 2025 | $74.0M | $93.4M | 6.68% | 13.42% | 9.19% |
| Q4 2025 | $75.5M | $95.9M | 7.27% | 13.32% | 8.35% |
| Q1 2026 | $76.1M | $92.9M | 7.36% | 12.58% | 8.48% |
| Q2 2026 | $77.8M | $92.3M | 7.12% | 13.30% | 8.10% |
First State Bank of Le Center loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Le Center, 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 of Le Center profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9330) · FFIEC NIC profile (RSSD 986159)