Lake Country 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.
Cre concentration (tier 1 capital + allowance) climbed 13.22 percentage points in Q2 2026, from 78.73% to 91.95%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Lake Country Community Bank is 182nd of 221 on loan-to-deposit ratio, 61.50% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Lake Country Community Bank sits 6.42 points lower, at 61.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.3M |
| Net loans and leases | $17.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.01% |
| Loan-to-deposit ratio | 61.50% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.13% |
| Multifamily (5+ residential) | 4.74% |
| Commercial and industrial | 25.70% |
| Consumer | 1.31% |
| Credit cards | 0.00% |
| Farm | 1.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.95% |
| Construction concentration (Tier 1 capital + allowance) | 0.98% |
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 | 7.94% |
| Interest income on loans | $328K |
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 | $10.1M | $27.0M | 32.99% | 15.67% | 4.23% |
| Q4 2023 | $10.4M | $28.3M | 32.72% | 18.66% | 4.19% |
| Q1 2024 | $11.2M | $26.4M | 35.46% | 16.51% | 3.30% |
| Q2 2024 | $10.5M | $25.6M | 37.22% | 17.90% | 3.32% |
| Q3 2024 | $10.7M | $28.7M | 31.84% | 22.50% | 3.79% |
| Q4 2024 | $11.2M | $31.3M | 38.05% | 12.62% | 3.66% |
| Q1 2025 | $14.2M | $30.4M | 38.32% | 22.41% | 4.38% |
| Q2 2025 | $14.8M | $29.8M | 36.35% | 21.82% | 1.83% |
| Q3 2025 | $14.0M | $30.6M | 33.02% | 23.66% | 2.06% |
| Q4 2025 | $14.0M | $29.4M | 31.89% | 22.79% | 1.73% |
| Q1 2026 | $16.2M | $27.8M | 32.98% | 23.92% | 1.36% |
| Q2 2026 | $17.3M | $28.2M | 32.13% | 25.70% | 1.31% |
Lake Country Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Country 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 Lake Country Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17122) · FFIEC NIC profile (RSSD 706450)