Perennial 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.
Cre concentration (tier 1 capital + allowance) climbed 3.11 percentage points in Q2 2026, from 29.26% to 32.37%. It was the largest change from Q1 2026 among the key lines here. Perennial Bank has the 16th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 45.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Perennial Bank sits 35.56 points lower, at 45.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.5M |
| Net loans and leases | $64.5M |
| Loans held for sale | $0 |
| Loans to total assets | 41.40% |
| Loan-to-deposit ratio | 45.28% |
| Net loans to equity capital | 5.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.62% |
| Multifamily (5+ residential) | 1.54% |
| Commercial and industrial | 12.80% |
| Consumer | 8.73% |
| Credit cards | 0.00% |
| Farm | 6.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.37% |
| Construction concentration (Tier 1 capital + allowance) | 26.13% |
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 | 5.78% |
| Interest income on loans | $900K |
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 | $53.0M | $139.6M | 8.21% | 17.10% | 11.71% |
| Q4 2023 | $51.8M | $134.9M | 8.14% | 16.24% | 11.38% |
| Q1 2024 | $53.2M | $132.4M | 8.48% | 18.74% | 10.97% |
| Q2 2024 | $55.0M | $130.3M | 9.58% | 17.36% | 10.81% |
| Q3 2024 | $56.7M | $127.7M | 9.26% | 17.06% | 10.47% |
| Q4 2024 | $57.2M | $132.7M | 9.28% | 17.61% | 10.11% |
| Q1 2025 | $59.1M | $134.6M | 9.14% | 18.19% | 10.58% |
| Q2 2025 | $61.3M | $136.7M | 9.85% | 17.28% | 11.89% |
| Q3 2025 | $61.7M | $136.9M | 9.42% | 16.56% | 10.80% |
| Q4 2025 | $62.5M | $143.4M | 9.27% | 14.49% | 9.91% |
| Q1 2026 | $61.9M | $142.9M | 8.89% | 14.35% | 9.68% |
| Q2 2026 | $65.5M | $144.6M | 7.62% | 12.80% | 8.73% |
Perennial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Perennial 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 Perennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1413) · FFIEC NIC profile (RSSD 344852)