Midwest 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 Construction concentration (Tier 1 capital + allowance): 15.55 percentage points higher than in Q1 2026, at 108.36%. On loan-to-deposit ratio, Midwest Bank ranks 10th highest among the 221 banks headquartered in Minnesota, at 112.92% (Q2 2026). Midwest Bank reported 112.92% on loan-to-deposit ratio for Q2 2026, 32.36 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $890.4M |
| Net loans and leases | $882.3M |
| Loans held for sale | $1.9M |
| Loans to total assets | 90.44% |
| Loan-to-deposit ratio | 112.92% |
| Net loans to equity capital | 9.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.85% |
| Multifamily (5+ residential) | 3.64% |
| Commercial and industrial | 19.62% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 4.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.28% |
| Construction concentration (Tier 1 capital + allowance) | 108.36% |
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 | 6.99% |
| Interest income on loans | $15.0M |
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 | $566.7M | $615.7M | 27.95% | 17.44% | 1.62% |
| Q4 2023 | $591.5M | $619.8M | 27.94% | 17.37% | 1.51% |
| Q1 2024 | $604.2M | $623.4M | 27.35% | 18.86% | 1.49% |
| Q2 2024 | $646.2M | $624.6M | 29.00% | 19.47% | 1.45% |
| Q3 2024 | $674.6M | $669.3M | 30.48% | 18.08% | 1.42% |
| Q4 2024 | $681.8M | $705.7M | 29.46% | 17.21% | 1.43% |
| Q1 2025 | $705.0M | $692.4M | 28.87% | 17.15% | 1.32% |
| Q2 2025 | $743.6M | $710.1M | 27.10% | 19.06% | 1.26% |
| Q3 2025 | $760.4M | $723.9M | 27.92% | 18.66% | 1.24% |
| Q4 2025 | $799.1M | $752.5M | 27.77% | 17.53% | 1.26% |
| Q1 2026 | $824.7M | $762.7M | 27.78% | 18.28% | 1.31% |
| Q2 2026 | $890.4M | $788.5M | 26.85% | 19.62% | 1.37% |
Midwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9737) · FFIEC NIC profile (RSSD 806958)