Lake Region 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 18.87 percentage points in Q2 2026, from 92.57% to 73.70%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Lake Region Bank is 194th of 221 on loan-to-deposit ratio, 54.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lake Region Bank sits 26.52 points lower, at 54.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.5M |
| Net loans and leases | $74.8M |
| Loans held for sale | $607K |
| Loans to total assets | 49.37% |
| Loan-to-deposit ratio | 54.32% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.99% |
| Multifamily (5+ residential) | 0.99% |
| Commercial and industrial | 16.13% |
| Consumer | 7.81% |
| Credit cards | 0.00% |
| Farm | 2.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.70% |
| Construction concentration (Tier 1 capital + allowance) | 33.10% |
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 | 7.05% |
| Interest income on loans | $1.3M |
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 | $53.6M | $133.9M | 17.80% | 29.26% | 9.25% |
| Q4 2023 | $52.5M | $133.5M | 20.31% | 25.07% | 9.62% |
| Q1 2024 | $53.5M | $133.5M | 20.56% | 25.72% | 9.52% |
| Q2 2024 | $55.1M | $126.1M | 25.07% | 24.67% | 8.97% |
| Q3 2024 | $58.1M | $124.8M | 27.45% | 21.19% | 8.62% |
| Q4 2024 | $62.0M | $128.1M | 30.56% | 18.98% | 7.91% |
| Q1 2025 | $62.6M | $129.5M | 32.36% | 18.33% | 8.02% |
| Q2 2025 | $68.7M | $128.6M | 30.98% | 18.43% | 7.49% |
| Q3 2025 | $72.6M | $127.6M | 30.09% | 18.45% | 7.50% |
| Q4 2025 | $73.8M | $129.2M | 28.29% | 16.52% | 7.12% |
| Q1 2026 | $74.7M | $138.6M | 29.14% | 15.12% | 7.19% |
| Q2 2026 | $75.5M | $139.1M | 30.99% | 16.13% | 7.81% |
Lake Region Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Region 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 Region Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10965) · FFIEC NIC profile (RSSD 164153)