Liberty Bank Minnesota: 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 4.37 percentage points in Q2 2026, from 7.41% to 11.78%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Liberty Bank Minnesota is 21st from the bottom among 221 Minnesota banks, 52.21% (Q2 2026). Liberty Bank Minnesota reported 52.21% on loan-to-deposit ratio for Q2 2026, 28.63 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.3M |
| Net loans and leases | $135.9M |
| Loans held for sale | $1.7M |
| Loans to total assets | 47.29% |
| Loan-to-deposit ratio | 52.21% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.20% |
| Consumer | 3.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.78% |
| Construction concentration (Tier 1 capital + allowance) | 11.78% |
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 | $1.8M |
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 | $133.9M | $250.7M | 0.27% | 0.07% | 4.65% |
| Q4 2023 | $134.1M | $241.7M | 0.25% | 0.07% | 4.42% |
| Q1 2024 | $135.2M | $249.8M | 0.44% | 0.07% | 4.26% |
| Q2 2024 | $142.2M | $236.7M | 0.54% | 0.07% | 4.13% |
| Q3 2024 | $143.7M | $248.9M | 0.51% | 0.06% | 4.06% |
| Q4 2024 | $143.0M | $243.3M | 0.47% | 0.05% | 3.91% |
| Q1 2025 | $140.1M | $254.1M | 0.47% | 0.05% | 3.78% |
| Q2 2025 | $143.0M | $249.7M | 0.45% | 0.05% | 3.73% |
| Q3 2025 | $138.4M | $248.5M | 0.25% | 0.05% | 3.70% |
| Q4 2025 | $136.9M | $255.2M | 0.25% | 0.05% | 3.58% |
| Q1 2026 | $134.8M | $264.3M | 0.26% | 0.22% | 3.31% |
| Q2 2026 | $137.3M | $262.9M | 0.25% | 0.20% | 3.06% |
Liberty Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank Minnesota, 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 Liberty Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26891) · FFIEC NIC profile (RSSD 1387203)