Minnesota First Credit and Savings, Incorporated: 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.
Loan-to-deposit ratio climbed 4.12 percentage points in Q2 2026, from 103.93% to 108.05%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Minnesota First Credit and Savings, Incorporated ranks 17th highest among the 221 banks headquartered in Minnesota, at 108.05% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Minnesota First Credit and Savings, Incorporated reported 108.05% on loan-to-deposit ratio in Q2 2026, 40.43 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $26.9M |
| Net loans and leases | $26.5M |
| Loans held for sale | $0 |
| Loans to total assets | 90.02% |
| Loan-to-deposit ratio | 108.05% |
| Net loans to equity capital | 6.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.28% |
| Consumer | 34.59% |
| 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) | 13.30% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 8.19% |
| Interest income on loans | $532K |
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 | $22.3M | $19.2M | 0.77% | 3.67% | 41.84% |
| Q4 2023 | $22.6M | $18.4M | 0.76% | 3.71% | 40.37% |
| Q1 2024 | $22.7M | $19.1M | 0.74% | 3.44% | 39.16% |
| Q2 2024 | $22.3M | $18.6M | 0.95% | 2.93% | 38.74% |
| Q3 2024 | $23.1M | $19.7M | 0.90% | 2.69% | 37.64% |
| Q4 2024 | $23.8M | $20.8M | 0.68% | 2.58% | 35.78% |
| Q1 2025 | $23.9M | $22.1M | 0.66% | 2.08% | 35.48% |
| Q2 2025 | $25.1M | $22.7M | 0.64% | 1.99% | 34.10% |
| Q3 2025 | $26.0M | $23.0M | 1.60% | 1.93% | 32.67% |
| Q4 2025 | $25.9M | $24.0M | 1.59% | 1.69% | 32.83% |
| Q1 2026 | $26.0M | $25.1M | 2.39% | 1.26% | 32.56% |
| Q2 2026 | $26.9M | $24.9M | 2.29% | 1.28% | 34.59% |
Minnesota First Credit and Savings, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota First Credit and Savings, Incorporated, 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 Minnesota First Credit and Savings, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26755) · FFIEC NIC profile (RSSD 821559)