Lake Elmo 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 6.81 percentage points in Q2 2026, from 138.37% to 145.18%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Lake Elmo Bank is 54th of 221 on loan-to-deposit ratio, 92.54% as of Q2 2026, above the middle of the field. Lake Elmo Bank reported 92.54% on loan-to-deposit ratio for Q2 2026, 11.71 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $428.1M |
| Net loans and leases | $422.4M |
| Loans held for sale | $627K |
| Loans to total assets | 80.81% |
| Loan-to-deposit ratio | 92.54% |
| Net loans to equity capital | 7.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.70% |
| Multifamily (5+ residential) | 3.89% |
| Commercial and industrial | 13.34% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 0.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.18% |
| Construction concentration (Tier 1 capital + allowance) | 40.23% |
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 | 5.99% |
| Interest income on loans | $6.3M |
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 | $383.2M | $441.4M | 31.89% | 11.27% | 2.52% |
| Q4 2023 | $382.7M | $446.2M | 31.94% | 11.08% | 2.42% |
| Q1 2024 | $385.1M | $437.5M | 30.88% | 11.27% | 2.39% |
| Q2 2024 | $394.3M | $438.8M | 31.21% | 11.55% | 2.38% |
| Q3 2024 | $401.5M | $446.6M | 30.20% | 12.14% | 2.36% |
| Q4 2024 | $399.4M | $456.7M | 29.16% | 13.72% | 2.16% |
| Q1 2025 | $395.2M | $457.6M | 29.49% | 13.74% | 2.13% |
| Q2 2025 | $402.0M | $438.4M | 29.33% | 14.07% | 2.08% |
| Q3 2025 | $411.7M | $452.6M | 28.03% | 14.27% | 1.82% |
| Q4 2025 | $410.0M | $466.3M | 28.03% | 13.68% | 1.77% |
| Q1 2026 | $416.4M | $462.4M | 29.10% | 13.44% | 1.56% |
| Q2 2026 | $428.1M | $462.6M | 28.70% | 13.34% | 1.44% |
Lake Elmo Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Elmo 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 Elmo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15443) · FFIEC NIC profile (RSSD 1015850)