Lakeview 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): 18.65 percentage points lower than in Q1 2026, at 146.40%. Lakeview Bank ranks 130th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 76.98% (Q2 2026). Lakeview Bank reported 76.98% on loan-to-deposit ratio for Q2 2026, 3.58 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.7M |
| Net loans and leases | $149.0M |
| Loans held for sale | $0 |
| Loans to total assets | 69.03% |
| Loan-to-deposit ratio | 76.98% |
| Net loans to equity capital | 8.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.74% |
| Multifamily (5+ residential) | 4.18% |
| Commercial and industrial | 11.11% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.40% |
| Construction concentration (Tier 1 capital + allowance) | 26.12% |
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 | 7.25% |
| Interest income on loans | $2.6M |
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 | $114.5M | $130.9M | 32.90% | 15.31% | 0.19% |
| Q4 2023 | $120.1M | $131.2M | 32.69% | 14.69% | 0.17% |
| Q1 2024 | $121.3M | $152.4M | 32.53% | 14.90% | 0.16% |
| Q2 2024 | $120.6M | $152.1M | 36.35% | 14.24% | 0.16% |
| Q3 2024 | $126.3M | $153.0M | 34.08% | 12.99% | 0.13% |
| Q4 2024 | $126.5M | $158.8M | 34.95% | 12.50% | 0.42% |
| Q1 2025 | $128.7M | $156.1M | 34.05% | 12.83% | 0.25% |
| Q2 2025 | $135.2M | $161.3M | 34.41% | 12.77% | 0.09% |
| Q3 2025 | $139.6M | $165.5M | 34.80% | 11.31% | 0.08% |
| Q4 2025 | $140.8M | $166.3M | 37.01% | 10.35% | 0.07% |
| Q1 2026 | $142.7M | $186.9M | 38.94% | 9.94% | 0.04% |
| Q2 2026 | $150.7M | $195.8M | 39.74% | 11.11% | 0.03% |
Lakeview Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeview 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 Lakeview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57785) · FFIEC NIC profile (RSSD 3253834)