Odin State 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 Loans to total assets: 6.07 percentage points lower than in Q1 2026, at 72.78%. Within Minnesota, Odin State Bank is 114th of 221 on loan-to-deposit ratio, 80.60% as of Q2 2026. Odin State Bank reported 80.60% on loan-to-deposit ratio for Q2 2026, 13.28 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $60.0M |
| Net loans and leases | $59.4M |
| Loans held for sale | $0 |
| Loans to total assets | 72.78% |
| Loan-to-deposit ratio | 80.60% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.06% |
| Consumer | 8.68% |
| Credit cards | 0.00% |
| Farm | 18.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.43% |
| Construction concentration (Tier 1 capital + allowance) | 3.43% |
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 | 7.00% |
| Interest income on loans | $1.1M |
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 | $55.5M | $58.5M | 0.65% | 8.35% | 10.94% |
| Q4 2023 | $59.8M | $60.8M | 0.67% | 7.70% | 10.56% |
| Q1 2024 | $58.8M | $62.6M | 0.66% | 8.00% | 10.95% |
| Q2 2024 | $59.6M | $64.0M | 0.63% | 7.37% | 11.05% |
| Q3 2024 | $61.0M | $68.1M | 0.63% | 6.85% | 10.78% |
| Q4 2024 | $63.7M | $68.8M | 0.77% | 5.75% | 10.13% |
| Q1 2025 | $63.9M | $73.3M | 0.67% | 5.65% | 10.14% |
| Q2 2025 | $62.0M | $71.2M | 0.64% | 5.50% | 10.43% |
| Q3 2025 | $61.2M | $72.8M | 0.63% | 5.29% | 10.08% |
| Q4 2025 | $63.9M | $73.7M | 0.58% | 4.74% | 9.38% |
| Q1 2026 | $62.2M | $71.8M | 0.58% | 3.68% | 8.65% |
| Q2 2026 | $60.0M | $74.4M | 0.53% | 4.06% | 8.68% |
Odin State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Odin State 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 Odin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14574) · FFIEC NIC profile (RSSD 876157)