Glenwood State Bank (Incorporated): 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): 3.42 percentage points higher than in Q1 2026, at 44.99%. Glenwood State Bank (Incorporated) ranks 23rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 104.39% (Q2 2026). Glenwood State Bank (Incorporated) reported 104.39% on loan-to-deposit ratio for Q2 2026, 23.55 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $490.1M |
| Net loans and leases | $484.1M |
| Loans held for sale | $0 |
| Loans to total assets | 89.88% |
| Loan-to-deposit ratio | 104.39% |
| Net loans to equity capital | 8.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.50% |
| Multifamily (5+ residential) | 9.03% |
| Commercial and industrial | 12.90% |
| Consumer | 2.11% |
| Credit cards | 0.19% |
| Farm | 10.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 248.74% |
| Construction concentration (Tier 1 capital + allowance) | 44.99% |
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 | 6.29% |
| Interest income on loans | $7.7M |
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 | $500.6M | $441.4M | 24.22% | 19.70% | 2.39% |
| Q4 2023 | $510.5M | $455.4M | 24.58% | 19.16% | 2.25% |
| Q1 2024 | $501.6M | $452.2M | 24.06% | 18.94% | 2.14% |
| Q2 2024 | $510.7M | $459.5M | 23.63% | 18.74% | 2.06% |
| Q3 2024 | $504.7M | $459.6M | 24.05% | 17.01% | 2.04% |
| Q4 2024 | $502.7M | $482.1M | 23.69% | 17.07% | 1.85% |
| Q1 2025 | $494.6M | $469.2M | 23.67% | 16.50% | 1.68% |
| Q2 2025 | $507.3M | $474.9M | 27.47% | 13.39% | 1.99% |
| Q3 2025 | $507.0M | $464.9M | 28.24% | 12.86% | 1.93% |
| Q4 2025 | $508.5M | $489.8M | 27.86% | 12.94% | 1.71% |
| Q1 2026 | $490.3M | $472.8M | 25.81% | 13.49% | 2.06% |
| Q2 2026 | $490.1M | $469.4M | 25.50% | 12.90% | 2.11% |
Glenwood State Bank (Incorporated) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Glenwood State Bank (Incorporated), 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 Glenwood State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8853) · FFIEC NIC profile (RSSD 975854)