Grand Rapids State 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.
Construction concentration (tier 1 capital + allowance) dropped 18.05 percentage points in Q3 2026, from 57.95% to 39.90%. It was the largest change from Q2 2026 among the key lines here. Within Minnesota, Grand Rapids State Bank is 185th of 221 on loan-to-deposit ratio, 60.53% as of Q3 2026, below the middle of the field. Grand Rapids State Bank reported 60.53% on loan-to-deposit ratio for Q3 2026, 20.30 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $139.6M |
| Net loans and leases | $138.5M |
| Loans held for sale | $502K |
| Loans to total assets | 54.27% |
| Loan-to-deposit ratio | 60.53% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.39% |
| Multifamily (5+ residential) | 8.67% |
| Commercial and industrial | 15.91% |
| Consumer | 7.31% |
| Credit cards | 0.74% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.48% |
| Construction concentration (Tier 1 capital + allowance) | 39.90% |
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 | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.6M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $143.1M | $226.8M | 52.50% | 17.68% | 6.34% |
| Q1 2024 | $149.5M | $214.6M | 46.88% | 18.95% | 6.17% |
| Q2 2024 | $151.9M | $215.6M | 46.07% | 16.35% | 6.69% |
| Q3 2024 | $153.9M | $225.0M | 46.09% | 16.92% | 6.65% |
| Q4 2024 | $153.0M | $213.1M | 47.49% | 15.08% | 6.75% |
| Q1 2025 | $160.0M | $205.2M | 46.06% | 16.34% | 6.89% |
| Q2 2025 | $154.7M | $211.8M | 44.77% | 16.64% | 7.64% |
| Q3 2025 | $152.5M | $225.2M | 43.26% | 15.64% | 7.35% |
| Q4 2025 | $144.6M | $227.2M | 41.41% | 14.22% | 8.31% |
| Q1 2026 | $147.3M | $231.6M | 40.39% | 14.55% | 7.77% |
| Q2 2026 | $141.8M | $234.1M | 40.54% | 15.21% | 7.67% |
| Q3 2026 | $139.6M | $230.6M | 41.39% | 15.91% | 7.31% |
Grand Rapids State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Rapids State 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 Grand Rapids State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10962) · FFIEC NIC profile (RSSD 1003558)