Lake Central 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): 19.99 percentage points higher than in Q1 2026, at 114.14%. Within Minnesota, Lake Central Bank is 149th of 221 on loan-to-deposit ratio, 72.34% as of Q2 2026, below the middle of the field. Lake Central Bank reported 72.34% on loan-to-deposit ratio for Q2 2026, 8.50 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.2M |
| Net loans and leases | $183.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.91% |
| Loan-to-deposit ratio | 72.34% |
| Net loans to equity capital | 6.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.56% |
| Multifamily (5+ residential) | 3.54% |
| Commercial and industrial | 19.97% |
| Consumer | 7.53% |
| Credit cards | 0.00% |
| Farm | 5.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.14% |
| Construction concentration (Tier 1 capital + allowance) | 55.98% |
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 | — |
| Interest income on loans | $3.0M |
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 | $117.1M | $205.5M | 19.93% | 18.49% | 12.86% |
| Q4 2023 | $111.8M | $195.3M | 15.48% | 20.35% | 14.58% |
| Q1 2024 | $111.2M | $192.0M | 16.84% | 19.06% | 14.59% |
| Q2 2024 | $153.6M | $238.4M | 19.06% | 21.88% | 11.58% |
| Q3 2024 | $159.6M | $243.0M | 18.37% | 21.74% | 10.75% |
| Q4 2024 | $163.4M | $245.3M | 16.82% | 22.08% | 10.14% |
| Q1 2025 | $162.4M | $242.1M | 16.37% | 23.63% | 9.89% |
| Q2 2025 | $171.5M | $237.8M | 15.26% | 24.18% | 9.48% |
| Q3 2025 | $179.4M | $242.2M | 14.33% | 24.16% | 8.62% |
| Q4 2025 | $190.5M | $246.3M | 13.73% | 25.72% | 7.95% |
| Q1 2026 | $186.4M | $250.1M | 11.99% | 27.65% | 7.90% |
| Q2 2026 | $186.2M | $257.3M | 16.56% | 19.97% | 7.53% |
Lake Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Central 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 Lake Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10989) · FFIEC NIC profile (RSSD 269058)