North Star 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): 3.33 percentage points higher than in Q1 2026, at 280.42%. North Star Bank ranks 151st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 72.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Star Bank sits 8.71 points lower, at 72.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.8M |
| Net loans and leases | $243.0M |
| Loans held for sale | $0 |
| Loans to total assets | 64.91% |
| Loan-to-deposit ratio | 72.13% |
| Net loans to equity capital | 6.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.24% |
| Multifamily (5+ residential) | 7.59% |
| Commercial and industrial | 20.85% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.42% |
| Construction concentration (Tier 1 capital + allowance) | 13.93% |
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 | 6.49% |
| Interest income on loans | $4.0M |
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 | $235.8M | $319.0M | 42.87% | 30.33% | 1.42% |
| Q4 2023 | $248.3M | $321.6M | 44.23% | 28.53% | 1.26% |
| Q1 2024 | $255.1M | $327.1M | 49.83% | 27.15% | 1.15% |
| Q2 2024 | $257.9M | $342.7M | 49.77% | 26.58% | 1.05% |
| Q3 2024 | $254.5M | $358.8M | 48.88% | 25.47% | 0.99% |
| Q4 2024 | $257.5M | $345.0M | 49.82% | 25.27% | 0.86% |
| Q1 2025 | $258.3M | $348.3M | 52.57% | 23.88% | 0.65% |
| Q2 2025 | $262.4M | $351.5M | 53.99% | 22.67% | 0.60% |
| Q3 2025 | $256.5M | $366.0M | 55.57% | 21.87% | 0.57% |
| Q4 2025 | $251.2M | $370.4M | 55.52% | 21.02% | 0.53% |
| Q1 2026 | $249.1M | $356.2M | 56.96% | 20.11% | 0.48% |
| Q2 2026 | $245.8M | $340.8M | 57.24% | 20.85% | 0.43% |
North Star Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Star 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 North Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16733) · FFIEC NIC profile (RSSD 750051)