Key Community 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): 8.74 percentage points lower than in Q1 2026, at 308.40%. Key Community Bank ranks 41st of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 97.02% (Q2 2026). Key Community Bank reported 97.02% on loan-to-deposit ratio for Q2 2026, 16.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.4M |
| Net loans and leases | $103.1M |
| Loans held for sale | $0 |
| Loans to total assets | 86.29% |
| Loan-to-deposit ratio | 97.02% |
| Net loans to equity capital | 7.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.53% |
| Multifamily (5+ residential) | 6.50% |
| Commercial and industrial | 4.54% |
| Consumer | 3.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 308.40% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.28% |
| Interest income on loans | $1.7M |
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 | $80.2M | $85.5M | 49.34% | 9.01% | 6.81% |
| Q4 2023 | $84.2M | $85.1M | 50.69% | 9.00% | 6.33% |
| Q1 2024 | $86.0M | $90.7M | 57.72% | 4.95% | 6.52% |
| Q2 2024 | $87.0M | $92.5M | 58.83% | 5.57% | 4.70% |
| Q3 2024 | $88.8M | $97.9M | 61.13% | 5.27% | 3.88% |
| Q4 2024 | $89.7M | $94.1M | 64.01% | 5.61% | 3.72% |
| Q1 2025 | $92.8M | $99.4M | 65.83% | 5.16% | 3.97% |
| Q2 2025 | $96.5M | $97.9M | 64.58% | 4.28% | 4.40% |
| Q3 2025 | $94.2M | $98.2M | 64.73% | 4.59% | 5.40% |
| Q4 2025 | $96.6M | $109.9M | 67.63% | 4.72% | 3.34% |
| Q1 2026 | $106.6M | $102.0M | 66.46% | 4.00% | 4.21% |
| Q2 2026 | $104.4M | $107.6M | 66.53% | 4.54% | 3.50% |
Key Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Key Community 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 Key Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34644) · FFIEC NIC profile (RSSD 2610784)