New Market 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 25.82 percentage points higher than in Q1 2026, at 194.17%. New Market Bank ranks 169th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 66.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Market Bank sits 14.36 points lower, at 66.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $118.0M |
| Net loans and leases | $116.5M |
| Loans held for sale | $847K |
| Loans to total assets | 60.22% |
| Loan-to-deposit ratio | 66.48% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.78% |
| Multifamily (5+ residential) | 8.90% |
| Commercial and industrial | 11.24% |
| Consumer | 3.25% |
| Credit cards | 0.00% |
| Farm | 0.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.17% |
| Construction concentration (Tier 1 capital + allowance) | 15.01% |
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 | 6.40% |
| Interest income on loans | $1.9M |
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 | $113.9M | $169.1M | 32.14% | 12.05% | 1.21% |
| Q4 2023 | $115.0M | $166.4M | 31.25% | 12.29% | 1.19% |
| Q1 2024 | $114.9M | $163.5M | 32.09% | 12.88% | 1.14% |
| Q2 2024 | $115.0M | $164.4M | 30.69% | 13.22% | 1.12% |
| Q3 2024 | $112.0M | $163.2M | 30.58% | 13.21% | 0.93% |
| Q4 2024 | $112.0M | $165.5M | 31.83% | 12.65% | 0.81% |
| Q1 2025 | $112.4M | $173.7M | 33.45% | 11.74% | 0.72% |
| Q2 2025 | $111.6M | $171.9M | 33.21% | 12.76% | 0.75% |
| Q3 2025 | $114.6M | $166.6M | 32.11% | 12.46% | 0.64% |
| Q4 2025 | $114.2M | $173.3M | 31.23% | 11.85% | 2.49% |
| Q1 2026 | $114.4M | $176.0M | 30.44% | 10.93% | 3.17% |
| Q2 2026 | $118.0M | $177.5M | 27.78% | 11.24% | 3.25% |
New Market Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Market 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 New Market Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1931) · FFIEC NIC profile (RSSD 165758)