Heritage Bank Minnesota: 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) climbed 8.96 percentage points in Q2 2026, from 27.54% to 36.50%. It was the largest change from Q1 2026 among the key lines here. Heritage Bank Minnesota ranks 67th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 89.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Heritage Bank Minnesota sits 9.04 points higher, at 89.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.8M |
| Net loans and leases | $97.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.73% |
| Loan-to-deposit ratio | 89.98% |
| Net loans to equity capital | 12.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.38% |
| Multifamily (5+ residential) | 0.43% |
| Commercial and industrial | 11.73% |
| Consumer | 6.76% |
| Credit cards | 0.00% |
| Farm | 8.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.97% |
| Construction concentration (Tier 1 capital + allowance) | 36.50% |
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 | 6.54% |
| Interest income on loans | $1.6M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $73.9M | $84.9M | 4.53% | 9.84% | 10.93% |
| Q4 2023 | $78.5M | $80.8M | 5.41% | 10.83% | 10.29% |
| Q1 2024 | $79.2M | $83.8M | 5.30% | 10.31% | 9.99% |
| Q2 2024 | $80.2M | $84.4M | 5.17% | 10.03% | 9.82% |
| Q3 2024 | $80.9M | $90.2M | 5.41% | 10.04% | 9.53% |
| Q4 2024 | $81.2M | $86.9M | 5.31% | 9.47% | 9.57% |
| Q1 2025 | $83.0M | $94.8M | 5.39% | 9.91% | 9.12% |
| Q2 2025 | $87.8M | $102.0M | 5.38% | 9.72% | 9.40% |
| Q3 2025 | $93.2M | $100.6M | 6.03% | 9.33% | 8.70% |
| Q4 2025 | $96.9M | $104.9M | 6.14% | 10.30% | 8.06% |
| Q1 2026 | $95.7M | $107.5M | 6.40% | 10.12% | 7.38% |
| Q2 2026 | $98.8M | $109.8M | 6.38% | 11.73% | 6.76% |
Heritage Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank Minnesota, 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 Heritage Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8865) · FFIEC NIC profile (RSSD 777254)