Mid-Central National 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 5.39 percentage points in Q2 2026, from 47.58% to 42.19%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Mid-Central National Bank is 49th of 221 on loan-to-deposit ratio, 93.97% as of Q2 2026, above the middle of the field. Mid-Central National Bank reported 93.97% on loan-to-deposit ratio for Q2 2026, 13.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.1M |
| Net loans and leases | $88.4M |
| Loans held for sale | $0 |
| Loans to total assets | 76.10% |
| Loan-to-deposit ratio | 93.97% |
| Net loans to equity capital | 4.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.63% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 5.75% |
| Consumer | 16.16% |
| Credit cards | 0.00% |
| Farm | 4.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.19% |
| Construction concentration (Tier 1 capital + allowance) | 24.09% |
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 | 6.68% |
| Interest income on loans | $1.5M |
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 | $78.6M | $101.4M | 4.01% | 4.48% | 23.69% |
| Q4 2023 | $78.6M | $100.4M | 3.84% | 4.42% | 23.58% |
| Q1 2024 | $79.1M | $98.9M | 3.76% | 4.59% | 23.63% |
| Q2 2024 | $78.9M | $96.6M | 3.70% | 4.60% | 23.41% |
| Q3 2024 | $79.5M | $97.1M | 3.57% | 4.56% | 22.56% |
| Q4 2024 | $81.6M | $98.8M | 3.41% | 5.43% | 21.35% |
| Q1 2025 | $82.9M | $100.2M | 3.26% | 6.70% | 20.35% |
| Q2 2025 | $85.4M | $97.2M | 3.10% | 4.57% | 20.14% |
| Q3 2025 | $87.5M | $95.6M | 2.97% | 4.64% | 19.16% |
| Q4 2025 | $89.7M | $94.0M | 5.40% | 4.61% | 18.19% |
| Q1 2026 | $90.9M | $94.9M | 5.28% | 5.64% | 17.10% |
| Q2 2026 | $89.1M | $94.9M | 4.63% | 5.75% | 16.16% |
Mid-Central National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Central National 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 Mid-Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30943) · FFIEC NIC profile (RSSD 773171)