Global Innovations Bank: 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 28.95 percentage points in Q2 2026, from 199.42% to 228.37%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Global Innovations Bank is 145th of 221 on loan-to-deposit ratio, 72.82% as of Q2 2026, below the middle of the field. Global Innovations Bank reported 72.82% on loan-to-deposit ratio for Q2 2026, 8.02 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.7M |
| Net loans and leases | $78.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.35% |
| Loan-to-deposit ratio | 72.82% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.07% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.36% |
| Consumer | 0.64% |
| Credit cards | 0.00% |
| Farm | 8.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.37% |
| 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 | 7.32% |
| Interest income on loans | $1.4M |
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 | $22.3M | $47.3M | 0.38% | 22.43% | 4.73% |
| Q4 2023 | $27.2M | $50.8M | 0.29% | 20.44% | 4.17% |
| Q1 2024 | $30.4M | $54.8M | 14.71% | 8.34% | 3.04% |
| Q2 2024 | $33.8M | $64.7M | 14.13% | 7.86% | 2.60% |
| Q3 2024 | $36.5M | $65.0M | 14.55% | 7.50% | 2.25% |
| Q4 2024 | $37.6M | $75.7M | 13.82% | 7.00% | 2.08% |
| Q1 2025 | $46.2M | $86.4M | 15.83% | 6.07% | 1.63% |
| Q2 2025 | $50.3M | $90.1M | 19.78% | 6.85% | 1.31% |
| Q3 2025 | $53.3M | $86.6M | 23.05% | 7.91% | 1.82% |
| Q4 2025 | $58.1M | $109.2M | 25.74% | 8.29% | 1.00% |
| Q1 2026 | $71.1M | $100.3M | 26.64% | 8.38% | 0.86% |
| Q2 2026 | $79.7M | $109.4M | 30.07% | 7.36% | 0.64% |
Global Innovations Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Global Innovations Bank, 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 Global Innovations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5175) · FFIEC NIC profile (RSSD 1015458)