The First State Bank of Red Wing: 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 17.91 percentage points in Q2 2026, from 92.76% to 74.86%. It was the largest change from Q1 2026 among the key lines here. The First State Bank of Red Wing has the 11th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 41.53% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First State Bank of Red Wing sits 26.09 points lower, at 41.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.5M |
| Net loans and leases | $34.2M |
| Loans held for sale | $0 |
| Loans to total assets | 39.96% |
| Loan-to-deposit ratio | 41.53% |
| Net loans to equity capital | 11.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.20% |
| Multifamily (5+ residential) | 3.00% |
| Commercial and industrial | 6.22% |
| Consumer | 11.34% |
| Credit cards | 0.00% |
| Farm | 7.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.86% |
| Construction concentration (Tier 1 capital + allowance) | 4.05% |
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 | 6.36% |
| Interest income on loans | $557K |
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 | $31.4M | $76.2M | 19.75% | 7.27% | 17.43% |
| Q4 2023 | $33.7M | $77.2M | 22.16% | 5.03% | 15.37% |
| Q1 2024 | $33.6M | $76.7M | 22.10% | 5.50% | 15.04% |
| Q2 2024 | $32.9M | $76.4M | 20.34% | 5.42% | 15.00% |
| Q3 2024 | $33.7M | $77.8M | 20.51% | 5.48% | 13.73% |
| Q4 2024 | $32.9M | $79.6M | 20.81% | 4.93% | 13.58% |
| Q1 2025 | $33.4M | $81.1M | 20.83% | 5.53% | 12.81% |
| Q2 2025 | $35.2M | $82.6M | 21.73% | 5.73% | 11.72% |
| Q3 2025 | $35.8M | $81.6M | 19.05% | 6.40% | 12.51% |
| Q4 2025 | $35.2M | $82.4M | 19.49% | 6.45% | 12.83% |
| Q1 2026 | $34.6M | $82.0M | 18.48% | 4.81% | 11.85% |
| Q2 2026 | $34.5M | $83.1M | 14.20% | 6.22% | 11.34% |
The First State Bank of Red Wing loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Red Wing, 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 The First State Bank of Red Wing profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8191) · FFIEC NIC profile (RSSD 818559)