Kensington 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.
Cre concentration (tier 1 capital + allowance) dropped 9.12 percentage points in Q2 2026, from 158.93% to 149.80%. It was the largest change from Q1 2026 among the key lines here. Kensington Bank ranks 62nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 91.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Kensington Bank sits 10.50 points higher, at 91.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $343.6M |
| Net loans and leases | $341.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.92% |
| Loan-to-deposit ratio | 91.34% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.11% |
| Multifamily (5+ residential) | 3.10% |
| Commercial and industrial | 10.74% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 19.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.80% |
| Construction concentration (Tier 1 capital + allowance) | 29.33% |
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 | 6.91% |
| Interest income on loans | $6.0M |
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 | $298.3M | $331.3M | 21.16% | 19.01% | 3.26% |
| Q4 2023 | $311.2M | $322.1M | 21.76% | 18.95% | 2.41% |
| Q1 2024 | $326.1M | $350.4M | 22.59% | 19.13% | 2.25% |
| Q2 2024 | $330.3M | $350.0M | 23.50% | 17.48% | 2.29% |
| Q3 2024 | $336.9M | $366.6M | 22.80% | 17.83% | 2.20% |
| Q4 2024 | $329.5M | $382.4M | 22.74% | 16.70% | 2.17% |
| Q1 2025 | $333.0M | $394.5M | 21.13% | 15.84% | 2.05% |
| Q2 2025 | $347.0M | $390.3M | 19.60% | 14.51% | 1.69% |
| Q3 2025 | $356.5M | $399.1M | 18.63% | 13.44% | 1.77% |
| Q4 2025 | $349.5M | $383.3M | 17.96% | 12.60% | 1.65% |
| Q1 2026 | $350.6M | $379.1M | 18.20% | 11.77% | 1.57% |
| Q2 2026 | $343.6M | $376.2M | 17.11% | 10.74% | 1.47% |
Kensington Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kensington 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 Kensington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1409) · FFIEC NIC profile (RSSD 58757)