Northern State Bank of Thief River Falls: 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.
Loan-to-deposit ratio dropped 4.88 percentage points in Q2 2026, from 44.12% to 39.24%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Northern State Bank of Thief River Falls is 8th from the bottom among 221 Minnesota banks, 39.24% (Q2 2026). Northern State Bank of Thief River Falls's loan-to-deposit ratio of 39.24% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.60 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $195.9M |
| Net loans and leases | $193.2M |
| Loans held for sale | $0 |
| Loans to total assets | 35.62% |
| Loan-to-deposit ratio | 39.24% |
| Net loans to equity capital | 3.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.67% |
| Multifamily (5+ residential) | 1.32% |
| Commercial and industrial | 15.46% |
| Consumer | 9.44% |
| Credit cards | 0.00% |
| Farm | 16.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.38% |
| Construction concentration (Tier 1 capital + allowance) | 7.47% |
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 | 6.25% |
| Interest income on loans | $3.0M |
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 | $182.5M | $406.5M | 17.53% | 13.99% | 11.27% |
| Q4 2023 | $191.1M | $425.4M | 20.03% | 14.13% | 10.67% |
| Q1 2024 | $191.8M | $418.8M | 21.02% | 16.96% | 10.56% |
| Q2 2024 | $190.5M | $395.3M | 21.77% | 13.91% | 11.05% |
| Q3 2024 | $196.2M | $389.8M | 21.57% | 12.71% | 10.71% |
| Q4 2024 | $194.9M | $423.4M | 21.05% | 12.15% | 10.35% |
| Q1 2025 | $194.7M | $398.5M | 20.94% | 13.45% | 9.98% |
| Q2 2025 | $198.9M | $411.4M | 21.85% | 13.03% | 9.56% |
| Q3 2025 | $197.3M | $394.9M | 22.17% | 12.40% | 9.63% |
| Q4 2025 | $198.9M | $444.8M | 23.11% | 13.61% | 9.38% |
| Q1 2026 | $190.9M | $432.7M | 22.62% | 14.67% | 9.66% |
| Q2 2026 | $195.9M | $499.3M | 22.67% | 15.46% | 9.44% |
Northern State Bank of Thief River Falls loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank of Thief River Falls, 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 Northern State Bank of Thief River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15286) · FFIEC NIC profile (RSSD 188056)