Grove 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.
Loan-to-deposit ratio climbed 7.74 percentage points in Q2 2026, from 83.33% to 91.07%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Grove Bank is 64th of 221 on loan-to-deposit ratio, 91.07% as of Q2 2026, above the middle of the field. Grove Bank reported 91.07% on loan-to-deposit ratio for Q2 2026, 23.44 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.4M |
| Net loans and leases | $41.0M |
| Loans held for sale | $0 |
| Loans to total assets | 73.36% |
| Loan-to-deposit ratio | 91.07% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 30.46% |
| Consumer | 1.89% |
| Credit cards | 0.00% |
| Farm | 8.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | — |
| Interest income on loans | $750K |
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 | $30.2M | $33.4M | 9.29% | 33.80% | 1.77% |
| Q4 2023 | $30.6M | $35.6M | 8.63% | 35.87% | 1.67% |
| Q1 2024 | $33.0M | $38.2M | 7.78% | 32.02% | 1.41% |
| Q2 2024 | $34.2M | $42.4M | 7.24% | 32.88% | 1.43% |
| Q3 2024 | $33.6M | $40.8M | 7.30% | 29.44% | 1.39% |
| Q4 2024 | $35.2M | $41.4M | 6.88% | 27.78% | 1.29% |
| Q1 2025 | $34.2M | $45.9M | 7.00% | 29.36% | 1.19% |
| Q2 2025 | $36.3M | $45.8M | 6.53% | 32.09% | 1.70% |
| Q3 2025 | $34.9M | $46.3M | 8.58% | 28.32% | 1.92% |
| Q4 2025 | $36.0M | $45.1M | 8.28% | 28.08% | 1.68% |
| Q1 2026 | $37.0M | $44.4M | 7.98% | 28.60% | 2.20% |
| Q2 2026 | $41.4M | $45.4M | 7.14% | 30.46% | 1.89% |
Grove Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove 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 Grove Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8857) · FFIEC NIC profile (RSSD 79257)