Pine Country 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.
Loans to total assets climbed 2.65 percentage points in Q2 2026, from 61.72% to 64.37%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Pine Country Bank is 144th of 221 on loan-to-deposit ratio, 73.05% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pine Country Bank sits 7.79 points lower, at 73.05% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.8M |
| Net loans and leases | $242.2M |
| Loans held for sale | $0 |
| Loans to total assets | 64.37% |
| Loan-to-deposit ratio | 73.05% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.50% |
| Multifamily (5+ residential) | 0.38% |
| Commercial and industrial | 19.94% |
| Consumer | 1.34% |
| Credit cards | 0.00% |
| Farm | 29.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.04% |
| Construction concentration (Tier 1 capital + allowance) | 29.68% |
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 | 6.81% |
| Interest income on loans | $4.1M |
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 | $153.5M | $221.0M | 19.39% | 12.83% | 0.73% |
| Q4 2023 | $151.9M | $217.2M | 19.68% | 13.54% | 0.78% |
| Q1 2024 | $151.3M | $207.5M | 19.85% | 13.96% | 0.72% |
| Q2 2024 | $153.9M | $205.6M | 20.24% | 13.27% | 0.72% |
| Q3 2024 | $152.7M | $212.2M | 19.07% | 14.06% | 0.69% |
| Q4 2024 | $151.5M | $217.1M | 22.05% | 12.23% | 0.64% |
| Q1 2025 | $227.8M | $340.5M | 15.66% | 21.24% | 1.78% |
| Q2 2025 | $226.8M | $340.1M | 16.08% | 21.47% | 1.78% |
| Q3 2025 | $231.9M | $343.1M | 16.28% | 20.86% | 1.62% |
| Q4 2025 | $237.9M | $336.8M | 17.48% | 18.95% | 1.45% |
| Q1 2026 | $239.5M | $340.1M | 17.13% | 19.06% | 1.39% |
| Q2 2026 | $244.8M | $335.1M | 16.50% | 19.94% | 1.34% |
Pine Country Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine Country 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 Pine Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13652) · FFIEC NIC profile (RSSD 761459)