Keen Bank, N.A.: 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 4.01 percentage points in Q2 2026, from 22.51% to 26.52%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Keen Bank, N.A. is 107th of 221 on loan-to-deposit ratio, 81.93% as of Q2 2026, above the middle of the field. At 81.93%, Keen Bank, N.A.'s loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.7M |
| Net loans and leases | $146.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.97% |
| Loan-to-deposit ratio | 81.93% |
| Net loans to equity capital | 8.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.11% |
| Multifamily (5+ residential) | 4.09% |
| Commercial and industrial | 8.06% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 1.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.05% |
| Construction concentration (Tier 1 capital + allowance) | 26.52% |
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 | 7.29% |
| Interest income on loans | $2.7M |
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 | $128.0M | $152.1M | 23.91% | 6.26% | 2.28% |
| Q4 2023 | $127.6M | $157.6M | 23.26% | 6.17% | 2.56% |
| Q1 2024 | $128.3M | $162.4M | 22.20% | 7.55% | 2.64% |
| Q2 2024 | $131.6M | $160.2M | 22.74% | 7.78% | 2.31% |
| Q3 2024 | $134.4M | $160.8M | 22.48% | 8.19% | 2.24% |
| Q4 2024 | $133.7M | $168.8M | 22.54% | 8.08% | 2.10% |
| Q1 2025 | $136.6M | $173.3M | 22.16% | 8.61% | 1.95% |
| Q2 2025 | $136.6M | $169.4M | 22.34% | 8.60% | 1.87% |
| Q3 2025 | $142.0M | $170.8M | 21.81% | 7.79% | 1.82% |
| Q4 2025 | $146.8M | $180.5M | 23.62% | 7.51% | 1.69% |
| Q1 2026 | $147.7M | $178.8M | 23.66% | 7.95% | 1.60% |
| Q2 2026 | $148.7M | $181.5M | 23.11% | 8.06% | 1.57% |
Keen Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Keen Bank, N.A., 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 Keen Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5270) · FFIEC NIC profile (RSSD 837354)