Home 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.33 percentage points lower than in Q1 2026, at 68.71%. Home State Bank ranks 177th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 62.90% (Q2 2026). Home State Bank reported 62.90% on loan-to-deposit ratio for Q2 2026, 17.94 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.2M |
| Net loans and leases | $120.8M |
| Loans held for sale | $338K |
| Loans to total assets | 55.83% |
| Loan-to-deposit ratio | 62.90% |
| Net loans to equity capital | 6.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.80% |
| Multifamily (5+ residential) | 6.67% |
| Commercial and industrial | 19.22% |
| Consumer | 4.10% |
| Credit cards | 0.00% |
| Farm | 6.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.71% |
| Construction concentration (Tier 1 capital + allowance) | 10.35% |
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 | 6.97% |
| Interest income on loans | $2.1M |
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 | $99.1M | $174.6M | 24.49% | 20.46% | 4.69% |
| Q4 2023 | $102.7M | $170.7M | 24.87% | 20.80% | 4.49% |
| Q1 2024 | $105.6M | $173.1M | 25.06% | 21.90% | 4.63% |
| Q2 2024 | $107.7M | $173.3M | 24.73% | 21.73% | 4.74% |
| Q3 2024 | $110.8M | $171.6M | 25.52% | 20.57% | 4.46% |
| Q4 2024 | $111.6M | $176.1M | 25.12% | 22.84% | 4.41% |
| Q1 2025 | $112.4M | $181.9M | 24.76% | 21.60% | 4.61% |
| Q2 2025 | $120.3M | $178.7M | 23.39% | 19.21% | 5.41% |
| Q3 2025 | $121.0M | $181.0M | 24.62% | 19.53% | 3.97% |
| Q4 2025 | $119.6M | $182.9M | 23.61% | 19.50% | 4.12% |
| Q1 2026 | $121.8M | $197.9M | 23.61% | 19.99% | 3.97% |
| Q2 2026 | $122.2M | $194.3M | 24.80% | 19.22% | 4.10% |
Home State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9745) · FFIEC NIC profile (RSSD 983550)