Minnesota 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 4.66 percentage points in Q2 2026, from 221.17% to 216.51%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Minnesota National Bank is 47th of 221 on loan-to-deposit ratio, 94.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Minnesota National Bank sits 14.01 points higher, at 94.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $240.8M |
| Net loans and leases | $238.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.69% |
| Loan-to-deposit ratio | 94.84% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.82% |
| Multifamily (5+ residential) | 5.66% |
| Commercial and industrial | 13.73% |
| Consumer | 2.98% |
| Credit cards | 0.00% |
| Farm | 9.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.51% |
| Construction concentration (Tier 1 capital + allowance) | 35.72% |
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 | 6.70% |
| Interest income on loans | $3.8M |
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 | $188.6M | $245.8M | 27.01% | 18.11% | 4.54% |
| Q4 2023 | $198.0M | $286.6M | 27.54% | 17.75% | 4.34% |
| Q1 2024 | $208.7M | $247.8M | 28.37% | 17.91% | 4.08% |
| Q2 2024 | $215.5M | $244.0M | 27.52% | 17.11% | 3.83% |
| Q3 2024 | $219.1M | $252.2M | 26.27% | 15.50% | 3.57% |
| Q4 2024 | $219.1M | $250.2M | 26.71% | 13.82% | 3.66% |
| Q1 2025 | $230.4M | $243.6M | 27.10% | 15.47% | 3.40% |
| Q2 2025 | $233.2M | $241.9M | 26.46% | 15.09% | 3.37% |
| Q3 2025 | $228.3M | $242.8M | 26.89% | 13.60% | 3.34% |
| Q4 2025 | $225.8M | $243.6M | 27.09% | 13.28% | 3.45% |
| Q1 2026 | $226.2M | $250.5M | 26.99% | 13.47% | 3.33% |
| Q2 2026 | $240.8M | $253.9M | 26.82% | 13.73% | 2.98% |
Minnesota National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota 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 Minnesota National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5249) · FFIEC NIC profile (RSSD 799751)