Integrity Bank Plus: 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): 5.51 percentage points lower than in Q1 2026, at 168.40%. Within Minnesota, Integrity Bank Plus is 111th of 221 on loan-to-deposit ratio, 81.37% as of Q2 2026. Integrity Bank Plus reported 81.37% on loan-to-deposit ratio for Q2 2026, 14.04 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.5M |
| Net loans and leases | $65.4M |
| Loans held for sale | $0 |
| Loans to total assets | 71.26% |
| Loan-to-deposit ratio | 81.37% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.46% |
| Multifamily (5+ residential) | 4.61% |
| Commercial and industrial | 15.01% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 21.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.40% |
| Construction concentration (Tier 1 capital + allowance) | 42.10% |
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 | 6.88% |
| Interest income on loans | $1.1M |
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 | $62.1M | $75.8M | 6.89% | 14.47% | 1.14% |
| Q4 2023 | $66.7M | $74.1M | 6.28% | 13.98% | 1.31% |
| Q1 2024 | $67.9M | $76.8M | 5.99% | 15.52% | 0.88% |
| Q2 2024 | $63.5M | $74.8M | 6.65% | 16.77% | 0.85% |
| Q3 2024 | $62.5M | $76.3M | 6.71% | 16.92% | 1.02% |
| Q4 2024 | $59.6M | $81.2M | 6.95% | 17.78% | 0.98% |
| Q1 2025 | $55.8M | $78.2M | 7.32% | 15.12% | 0.76% |
| Q2 2025 | $64.3M | $76.7M | 8.68% | 16.47% | 0.74% |
| Q3 2025 | $62.2M | $77.4M | 7.10% | 15.76% | 0.91% |
| Q4 2025 | $65.9M | $78.3M | 6.63% | 15.33% | 0.71% |
| Q1 2026 | $65.7M | $83.2M | 5.60% | 15.68% | 0.61% |
| Q2 2026 | $66.5M | $81.8M | 5.46% | 15.01% | 0.62% |
Integrity Bank Plus loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank Plus, 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 Integrity Bank Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15578) · FFIEC NIC profile (RSSD 897451)