First State Bank Southwest: 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 Construction concentration (Tier 1 capital + allowance): 2.51 percentage points higher than in Q1 2026, at 19.10%. Within Minnesota, First State Bank Southwest is 175th of 221 on loan-to-deposit ratio, 63.90% as of Q2 2026, below the middle of the field. First State Bank Southwest reported 63.90% on loan-to-deposit ratio for Q2 2026, 16.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.2M |
| Net loans and leases | $220.9M |
| Loans held for sale | $581K |
| Loans to total assets | 54.68% |
| Loan-to-deposit ratio | 63.90% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.10% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 8.01% |
| Consumer | 3.51% |
| Credit cards | 0.34% |
| Farm | 15.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.28% |
| Construction concentration (Tier 1 capital + allowance) | 19.10% |
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 | 6.32% |
| Interest income on loans | $3.5M |
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 | $187.7M | $329.7M | 18.21% | 11.89% | 5.31% |
| Q4 2023 | $198.2M | $351.6M | 16.89% | 12.38% | 5.04% |
| Q1 2024 | $197.7M | $327.7M | 17.48% | 13.21% | 5.04% |
| Q2 2024 | $206.6M | $328.5M | 20.80% | 12.53% | 4.77% |
| Q3 2024 | $207.1M | $340.9M | 19.92% | 11.39% | 4.77% |
| Q4 2024 | $214.6M | $356.4M | 19.63% | 11.30% | 4.35% |
| Q1 2025 | $217.5M | $340.6M | 20.90% | 11.54% | 4.09% |
| Q2 2025 | $217.7M | $334.0M | 20.99% | 10.51% | 4.10% |
| Q3 2025 | $213.4M | $328.0M | 21.36% | 9.72% | 4.12% |
| Q4 2025 | $223.0M | $336.8M | 20.13% | 9.63% | 3.89% |
| Q1 2026 | $218.1M | $335.7M | 20.17% | 8.80% | 3.84% |
| Q2 2026 | $224.2M | $350.8M | 20.10% | 8.01% | 3.51% |
First State Bank Southwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Southwest, 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 Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9770) · FFIEC NIC profile (RSSD 823656)