Prairie Sun 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 6.46 percentage points in Q2 2026, from 70.13% to 76.59%. It was the largest change from Q1 2026 among the key lines here. Prairie Sun Bank ranks 76th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 87.84% (Q2 2026). Prairie Sun Bank reported 87.84% on loan-to-deposit ratio for Q2 2026, 7.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.3M |
| Net loans and leases | $79.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.96% |
| Loan-to-deposit ratio | 87.84% |
| Net loans to equity capital | 7.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.38% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.41% |
| Consumer | 4.20% |
| Credit cards | 0.00% |
| Farm | 37.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.59% |
| Construction concentration (Tier 1 capital + allowance) | 6.39% |
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 | 6.83% |
| Interest income on loans | $1.4M |
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 | $72.3M | $87.8M | 5.64% | 15.55% | 4.12% |
| Q4 2023 | $71.8M | $91.4M | 5.71% | 9.56% | 4.22% |
| Q1 2024 | $73.6M | $88.0M | 7.00% | 9.71% | 4.18% |
| Q2 2024 | $75.9M | $86.3M | 7.86% | 9.66% | 4.18% |
| Q3 2024 | $76.9M | $88.6M | 7.88% | 9.90% | 4.32% |
| Q4 2024 | $79.7M | $95.5M | 7.82% | 8.98% | 4.11% |
| Q1 2025 | $78.5M | $91.8M | 8.37% | 9.55% | 4.18% |
| Q2 2025 | $80.3M | $91.7M | 7.73% | 9.13% | 4.19% |
| Q3 2025 | $82.0M | $92.9M | 8.82% | 8.82% | 4.16% |
| Q4 2025 | $80.0M | $102.3M | 9.16% | 10.85% | 4.43% |
| Q1 2026 | $78.3M | $94.4M | 9.75% | 8.29% | 3.97% |
| Q2 2026 | $81.3M | $92.5M | 10.38% | 11.41% | 4.20% |
Prairie Sun Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie Sun 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 Prairie Sun Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8207) · FFIEC NIC profile (RSSD 960551)