MY Kind of 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 7.66 percentage points higher than in Q1 2026, at 82.77%. MY Kind of Bank, N.A. ranks 110th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 81.58% (Q2 2026). At 81.58%, MY Kind of Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.6M |
| Net loans and leases | $311.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.46% |
| Loan-to-deposit ratio | 81.58% |
| Net loans to equity capital | 9.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.78% |
| Multifamily (5+ residential) | 1.35% |
| Commercial and industrial | 7.32% |
| Consumer | 5.79% |
| Credit cards | 0.44% |
| Farm | 7.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.64% |
| Construction concentration (Tier 1 capital + allowance) | 82.77% |
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 | 7.23% |
| Interest income on loans | $5.5M |
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 | $227.9M | $279.5M | 24.45% | 7.38% | 8.02% |
| Q4 2023 | $230.6M | $276.9M | 24.23% | 7.30% | 7.76% |
| Q1 2024 | $248.7M | $324.9M | 25.35% | 7.41% | 7.62% |
| Q2 2024 | $260.7M | $332.8M | 24.05% | 7.48% | 7.34% |
| Q3 2024 | $270.9M | $341.0M | 23.01% | 6.92% | 6.92% |
| Q4 2024 | $280.5M | $341.1M | 22.17% | 6.92% | 6.95% |
| Q1 2025 | $284.3M | $342.8M | 22.41% | 7.03% | 7.02% |
| Q2 2025 | $293.6M | $355.9M | 21.66% | 7.75% | 6.76% |
| Q3 2025 | $300.7M | $365.7M | 20.72% | 6.94% | 6.60% |
| Q4 2025 | $298.0M | $382.2M | 20.93% | 6.72% | 6.43% |
| Q1 2026 | $302.8M | $385.1M | 21.41% | 6.63% | 6.10% |
| Q2 2026 | $314.6M | $385.6M | 20.78% | 7.32% | 5.79% |
MY Kind of Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MY Kind of 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 MY Kind of Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5162) · FFIEC NIC profile (RSSD 23456)