Midcountry 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 7.43 percentage points in Q2 2026, from 242.48% to 249.91%. It was the largest change from Q1 2026 among the key lines here. Midcountry Bank ranks 70th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 88.20% (Q2 2026). At 88.20%, Midcountry Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $737.2M |
| Net loans and leases | $724.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.86% |
| Loan-to-deposit ratio | 88.20% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.39% |
| Multifamily (5+ residential) | 13.51% |
| Commercial and industrial | 9.14% |
| Consumer | 4.19% |
| Credit cards | 0.00% |
| Farm | 2.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.91% |
| Construction concentration (Tier 1 capital + allowance) | 12.84% |
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 | 5.89% |
| Interest income on loans | $10.5M |
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 | $838.2M | $851.0M | 36.10% | 22.99% | 6.77% |
| Q4 2023 | $816.3M | $851.6M | 34.65% | 21.82% | 6.57% |
| Q1 2024 | $895.2M | $974.3M | 41.93% | 20.07% | 5.69% |
| Q2 2024 | $869.9M | $946.2M | 43.25% | 16.72% | 5.52% |
| Q3 2024 | $820.7M | $904.4M | 43.87% | 15.12% | 5.58% |
| Q4 2024 | $822.0M | $946.3M | 43.40% | 14.46% | 5.37% |
| Q1 2025 | $781.7M | $922.2M | 45.10% | 12.35% | 5.25% |
| Q2 2025 | $760.9M | $893.8M | 46.08% | 11.37% | 5.10% |
| Q3 2025 | $738.0M | $869.0M | 46.63% | 11.09% | 4.94% |
| Q4 2025 | $715.7M | $842.6M | 46.88% | 9.80% | 4.81% |
| Q1 2026 | $700.5M | $841.5M | 47.61% | 8.60% | 4.65% |
| Q2 2026 | $737.2M | $835.8M | 49.39% | 9.14% | 4.19% |
Midcountry Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midcountry 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 Midcountry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28865) · FFIEC NIC profile (RSSD 3971)