Park 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 Construction concentration (Tier 1 capital + allowance): 4.55 percentage points higher than in Q1 2026, at 38.81%. Park State Bank ranks 136th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 74.88% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Park State Bank sits 13.32 points lower, at 74.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $902.7M |
| Net loans and leases | $893.3M |
| Loans held for sale | $590K |
| Loans to total assets | 60.49% |
| Loan-to-deposit ratio | 74.88% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.64% |
| Multifamily (5+ residential) | 3.64% |
| Commercial and industrial | 21.72% |
| Consumer | 1.62% |
| Credit cards | 0.19% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.37% |
| Construction concentration (Tier 1 capital + allowance) | 38.81% |
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 | — |
| Interest income on loans | $13.1M |
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 | $850.5M | $1.01B | 31.94% | 18.04% | 1.06% |
| Q4 2023 | $860.1M | $1.08B | 31.57% | 18.88% | 1.10% |
| Q1 2024 | $864.9M | $1.18B | 31.40% | 18.80% | 1.08% |
| Q2 2024 | $863.9M | $1.14B | 31.53% | 17.91% | 1.02% |
| Q3 2024 | $890.3M | $1.17B | 31.04% | 19.88% | 0.98% |
| Q4 2024 | $879.9M | $1.25B | 30.71% | 18.56% | 0.97% |
| Q1 2025 | $885.9M | $1.24B | 30.77% | 19.08% | 0.92% |
| Q2 2025 | $871.3M | $1.16B | 30.94% | 18.40% | 0.93% |
| Q3 2025 | $863.0M | $1.17B | 30.02% | 18.70% | 0.91% |
| Q4 2025 | $894.8M | $1.22B | 27.67% | 20.13% | 1.81% |
| Q1 2026 | $913.9M | $1.20B | 27.31% | 22.29% | 1.69% |
| Q2 2026 | $902.7M | $1.21B | 26.64% | 21.72% | 1.62% |
Park State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Park 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 Park State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8851) · FFIEC NIC profile (RSSD 286457)