North Shore Bank of Commerce: 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.
Loans held for sale climbed 67.7% in Q2 2026, from $10.1M to $16.9M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, North Shore Bank of Commerce is 63rd of 221 on loan-to-deposit ratio, 91.30% as of Q2 2026, above the middle of the field. North Shore Bank of Commerce reported 91.30% on loan-to-deposit ratio for Q2 2026, 10.35 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $471.6M |
| Net loans and leases | $468.6M |
| Loans held for sale | $16.9M |
| Loans to total assets | 78.79% |
| Loan-to-deposit ratio | 91.30% |
| Net loans to equity capital | 9.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.22% |
| Multifamily (5+ residential) | 6.26% |
| Commercial and industrial | 6.75% |
| Consumer | 1.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.56% |
| Construction concentration (Tier 1 capital + allowance) | 61.62% |
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 | 6.81% |
| Interest income on loans | $7.6M |
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 | $356.2M | $370.6M | 21.02% | 5.53% | 4.34% |
| Q4 2023 | $382.2M | $400.2M | 19.81% | 4.77% | 4.28% |
| Q1 2024 | $407.4M | $394.3M | 18.93% | 5.19% | 3.75% |
| Q2 2024 | $416.7M | $399.1M | 18.99% | 5.34% | 3.47% |
| Q3 2024 | $427.6M | $407.9M | 18.43% | 4.71% | 3.29% |
| Q4 2024 | $420.5M | $426.1M | 18.49% | 5.20% | 2.92% |
| Q1 2025 | $421.2M | $451.4M | 18.46% | 5.04% | 2.64% |
| Q2 2025 | $429.6M | $467.6M | 18.57% | 5.63% | 2.38% |
| Q3 2025 | $440.8M | $478.1M | 18.65% | 6.84% | 2.24% |
| Q4 2025 | $439.8M | $493.4M | 19.22% | 6.65% | 1.97% |
| Q1 2026 | $452.5M | $491.6M | 18.96% | 6.52% | 1.67% |
| Q2 2026 | $471.6M | $516.5M | 19.22% | 6.75% | 1.40% |
North Shore Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Bank of Commerce, 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 North Shore Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8850) · FFIEC NIC profile (RSSD 126553)