Granite 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 7.93 percentage points in Q2 2026, from 248.87% to 256.80%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Granite Bank ranks 16th highest among the 221 banks headquartered in Minnesota, at 108.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Granite Bank sits 27.90 points higher, at 108.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $313.8M |
| Net loans and leases | $311.7M |
| Loans held for sale | $4.6M |
| Loans to total assets | 88.85% |
| Loan-to-deposit ratio | 108.46% |
| Net loans to equity capital | 9.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.39% |
| Multifamily (5+ residential) | 1.68% |
| Commercial and industrial | 15.74% |
| Consumer | 1.48% |
| Credit cards | 0.00% |
| Farm | 0.63% |
| Loans to depository institutions | 0.50% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.80% |
| Construction concentration (Tier 1 capital + allowance) | 75.46% |
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 | 7.11% |
| Interest income on loans | $5.5M |
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 | $244.1M | $225.7M | 45.94% | 15.56% | 1.60% |
| Q4 2023 | $254.2M | $238.5M | 44.28% | 17.17% | 1.49% |
| Q1 2024 | $256.8M | $255.4M | 45.43% | 15.39% | 1.42% |
| Q2 2024 | $254.8M | $251.7M | 43.39% | 17.24% | 1.30% |
| Q3 2024 | $261.3M | $256.4M | 42.52% | 18.10% | 1.32% |
| Q4 2024 | $267.2M | $255.1M | 40.03% | 19.91% | 1.27% |
| Q1 2025 | $271.2M | $272.7M | 42.88% | 14.51% | 1.36% |
| Q2 2025 | $287.0M | $273.4M | 38.41% | 16.03% | 1.47% |
| Q3 2025 | $298.5M | $295.8M | 34.97% | 17.41% | 1.35% |
| Q4 2025 | $310.6M | $291.8M | 35.46% | 12.21% | 1.35% |
| Q1 2026 | $308.6M | $297.4M | 35.01% | 14.30% | 1.44% |
| Q2 2026 | $313.8M | $289.3M | 33.39% | 15.74% | 1.48% |
Granite Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Granite 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 Granite Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5116) · FFIEC NIC profile (RSSD 311256)