Minnstar Bank N.A.: 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 20.01 percentage points in Q2 2026, from 250.32% to 270.33%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Minnstar Bank N.A. is 45th of 221 on loan-to-deposit ratio, 95.53% as of Q2 2026, above the middle of the field. Minnstar Bank N.A. reported 95.53% on loan-to-deposit ratio for Q2 2026, 14.58 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.2M |
| Net loans and leases | $169.8M |
| Loans held for sale | $0 |
| Loans to total assets | 84.41% |
| Loan-to-deposit ratio | 95.53% |
| Net loans to equity capital | 8.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.05% |
| Multifamily (5+ residential) | 6.77% |
| Commercial and industrial | 7.92% |
| Consumer | 0.48% |
| Credit cards | 0.00% |
| Farm | 5.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.33% |
| Construction concentration (Tier 1 capital + allowance) | 65.18% |
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 | 6.15% |
| Interest income on loans | $2.6M |
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 | $186.9M | $179.3M | 40.71% | 13.50% | 0.92% |
| Q4 2023 | $191.9M | $182.8M | 38.97% | 13.24% | 0.89% |
| Q1 2024 | $174.0M | $183.6M | 37.35% | 13.77% | 0.76% |
| Q2 2024 | $169.9M | $174.0M | 38.18% | 13.20% | 0.75% |
| Q3 2024 | $164.0M | $173.8M | 38.54% | 12.61% | 0.73% |
| Q4 2024 | $161.6M | $170.0M | 39.24% | 10.34% | 0.68% |
| Q1 2025 | $157.5M | $167.9M | 39.77% | 9.26% | 0.70% |
| Q2 2025 | $157.6M | $166.1M | 37.34% | 9.90% | 0.59% |
| Q3 2025 | $150.0M | $164.5M | 38.87% | 9.44% | 0.55% |
| Q4 2025 | $156.6M | $167.6M | 36.84% | 7.69% | 0.53% |
| Q1 2026 | $170.3M | $172.8M | 39.05% | 7.65% | 0.54% |
| Q2 2026 | $172.2M | $180.3M | 37.05% | 7.92% | 0.48% |
Minnstar Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnstar Bank N.A., 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 Minnstar Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13809) · FFIEC NIC profile (RSSD 89854)