The Miners National Bank of Eveleth: 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): 7.47 percentage points lower than in Q1 2026, at 26.07%. Within Minnesota, The Miners National Bank of Eveleth is 127th of 221 on loan-to-deposit ratio, 77.25% as of Q2 2026, below the middle of the field. The Miners National Bank of Eveleth reported 77.25% on loan-to-deposit ratio for Q2 2026, 9.62 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.2M |
| Net loans and leases | $64.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.46% |
| Loan-to-deposit ratio | 77.25% |
| Net loans to equity capital | 6.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.61% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.83% |
| Consumer | 4.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.01% |
| Construction concentration (Tier 1 capital + allowance) | 26.07% |
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 | 6.46% |
| Interest income on loans | $1.1M |
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 | $65.0M | $80.0M | 4.37% | 1.13% | 5.31% |
| Q4 2023 | $65.6M | $83.0M | 3.79% | 1.31% | 5.47% |
| Q1 2024 | $65.0M | $80.8M | 3.58% | 1.98% | 5.47% |
| Q2 2024 | $65.5M | $75.5M | 4.25% | 1.73% | 4.83% |
| Q3 2024 | $66.0M | $82.7M | 4.43% | 1.30% | 4.67% |
| Q4 2024 | $65.7M | $83.3M | 3.90% | 1.26% | 4.75% |
| Q1 2025 | $66.2M | $79.0M | 3.90% | 1.39% | 3.91% |
| Q2 2025 | $64.9M | $77.6M | 3.92% | 1.62% | 4.08% |
| Q3 2025 | $65.7M | $80.9M | 4.76% | 1.24% | 4.17% |
| Q4 2025 | $66.3M | $87.7M | 4.94% | 1.85% | 4.32% |
| Q1 2026 | $66.9M | $86.2M | 5.54% | 2.41% | 3.80% |
| Q2 2026 | $65.2M | $84.4M | 5.61% | 2.83% | 4.21% |
The Miners National Bank of Eveleth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Miners National Bank of Eveleth, 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 The Miners National Bank of Eveleth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5141) · FFIEC NIC profile (RSSD 43856)