Neighborhood 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 5.31 percentage points in Q2 2026, from 89.45% to 84.14%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Neighborhood National Bank is 128th of 221 on loan-to-deposit ratio, 77.24% as of Q2 2026, below the middle of the field. Neighborhood National Bank reported 77.24% on loan-to-deposit ratio for Q2 2026, 3.60 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.7M |
| Net loans and leases | $192.6M |
| Loans held for sale | $772K |
| Loans to total assets | 62.38% |
| Loan-to-deposit ratio | 77.24% |
| Net loans to equity capital | 8.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.34% |
| Multifamily (5+ residential) | 0.92% |
| Commercial and industrial | 10.00% |
| Consumer | 4.19% |
| Credit cards | 0.00% |
| Farm | 3.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.14% |
| Construction concentration (Tier 1 capital + allowance) | 62.71% |
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 | — |
| Interest income on loans | $3.3M |
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 | $183.3M | $265.8M | 19.99% | 14.45% | 6.29% |
| Q4 2023 | $184.4M | $258.7M | 19.03% | 13.45% | 5.92% |
| Q1 2024 | $187.6M | $251.9M | 17.92% | 13.73% | 5.74% |
| Q2 2024 | $188.2M | $251.1M | 17.88% | 12.92% | 5.76% |
| Q3 2024 | $191.2M | $251.6M | 19.14% | 11.27% | 5.70% |
| Q4 2024 | $188.8M | $250.8M | 18.22% | 11.11% | 5.47% |
| Q1 2025 | $190.1M | $250.3M | 17.98% | 10.90% | 5.22% |
| Q2 2025 | $190.8M | $251.1M | 17.58% | 11.63% | 5.20% |
| Q3 2025 | $192.3M | $258.2M | 16.99% | 10.89% | 5.08% |
| Q4 2025 | $193.9M | $256.4M | 16.68% | 10.80% | 4.56% |
| Q1 2026 | $194.5M | $254.7M | 16.38% | 10.43% | 4.41% |
| Q2 2026 | $194.7M | $252.1M | 15.34% | 10.00% | 4.19% |
Neighborhood National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18885) · FFIEC NIC profile (RSSD 705556)