The First State Bank of Rosemount: 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): 20.82 percentage points lower than in Q1 2026, at 162.45%. The First State Bank of Rosemount ranks 137th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 74.27% (Q2 2026). The First State Bank of Rosemount reported 74.27% on loan-to-deposit ratio for Q2 2026, 6.68 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.8M |
| Net loans and leases | $101.6M |
| Loans held for sale | $0 |
| Loans to total assets | 70.38% |
| Loan-to-deposit ratio | 74.27% |
| Net loans to equity capital | 14.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.82% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 12.13% |
| Consumer | 9.30% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.45% |
| Construction concentration (Tier 1 capital + allowance) | 27.24% |
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 | 6.77% |
| Interest income on loans | $1.8M |
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 | $70.6M | $104.8M | 17.11% | 17.91% | 10.62% |
| Q4 2023 | $76.9M | $108.5M | 22.02% | 15.59% | 10.12% |
| Q1 2024 | $82.0M | $114.0M | 22.70% | 15.18% | 10.52% |
| Q2 2024 | $87.9M | $121.7M | 22.16% | 14.61% | 10.45% |
| Q3 2024 | $90.4M | $125.3M | 22.49% | 14.12% | 9.95% |
| Q4 2024 | $94.9M | $125.6M | 21.48% | 13.41% | 9.60% |
| Q1 2025 | $100.1M | $135.7M | 21.19% | 13.14% | 9.45% |
| Q2 2025 | $103.0M | $134.6M | 20.36% | 13.76% | 9.05% |
| Q3 2025 | $105.8M | $144.1M | 20.79% | 13.25% | 9.28% |
| Q4 2025 | $108.3M | $144.1M | 20.33% | 13.19% | 8.92% |
| Q1 2026 | $105.0M | $148.3M | 18.87% | 12.16% | 9.21% |
| Q2 2026 | $102.8M | $138.4M | 17.82% | 12.13% | 9.30% |
The First State Bank of Rosemount 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 Rosemount, 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 Rosemount profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9769) · FFIEC NIC profile (RSSD 760957)