First State Bank of Swanville: 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) climbed 15.41 percentage points in Q2 2026, from 121.00% to 136.41%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Swanville ranks 123rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 78.22% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First State Bank of Swanville sits 10.60 points higher, at 78.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.0M |
| Net loans and leases | $14.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.08% |
| Loan-to-deposit ratio | 78.22% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.93% |
| Multifamily (5+ residential) | 7.06% |
| Commercial and industrial | 31.63% |
| Consumer | 4.25% |
| Credit cards | 0.00% |
| Farm | 5.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.41% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.82% |
| Interest income on loans | $251K |
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 | $19.2M | $20.4M | 39.41% | 19.93% | 3.45% |
| Q4 2023 | $19.3M | $20.7M | 39.72% | 21.18% | 3.68% |
| Q1 2024 | $19.2M | $19.8M | 38.89% | 20.57% | 4.00% |
| Q2 2024 | $19.5M | $20.8M | 40.05% | 20.60% | 3.65% |
| Q3 2024 | $18.5M | $20.1M | 40.52% | 19.78% | 3.56% |
| Q4 2024 | $19.0M | $20.4M | 38.53% | 24.84% | 2.81% |
| Q1 2025 | $17.6M | $19.3M | 41.34% | 22.50% | 2.87% |
| Q2 2025 | $17.0M | $20.9M | 37.22% | 29.64% | 3.41% |
| Q3 2025 | $16.8M | $20.0M | 33.53% | 31.76% | 4.02% |
| Q4 2025 | $16.3M | $18.2M | 30.82% | 32.76% | 4.24% |
| Q1 2026 | $15.0M | $18.6M | 29.91% | 33.18% | 4.41% |
| Q2 2026 | $15.0M | $19.2M | 29.93% | 31.63% | 4.25% |
First State Bank of Swanville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Swanville, 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 Swanville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8218) · FFIEC NIC profile (RSSD 833851)