Premier Bank Minnesota: 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 CRE concentration (Tier 1 capital + allowance): 34.38 percentage points lower than in Q1 2026, at 349.21%. Premier Bank Minnesota ranks 74th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 88.06% (Q2 2026). Premier Bank Minnesota reported 88.06% on loan-to-deposit ratio for Q2 2026, 7.22 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $546.1M |
| Net loans and leases | $539.0M |
| Loans held for sale | $806K |
| Loans to total assets | 78.97% |
| Loan-to-deposit ratio | 88.06% |
| Net loans to equity capital | 8.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.49% |
| Multifamily (5+ residential) | 10.77% |
| Commercial and industrial | 9.24% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 1.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 349.21% |
| Construction concentration (Tier 1 capital + allowance) | 76.45% |
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 | 6.66% |
| Interest income on loans | $9.2M |
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 | $527.9M | $555.6M | 46.71% | 10.54% | 0.23% |
| Q4 2023 | $539.5M | $568.2M | 46.03% | 10.76% | 0.21% |
| Q1 2024 | $558.6M | $585.3M | 46.26% | 11.02% | 0.31% |
| Q2 2024 | $557.2M | $602.9M | 46.34% | 10.28% | 0.22% |
| Q3 2024 | $556.4M | $590.5M | 47.93% | 10.53% | 0.22% |
| Q4 2024 | $560.5M | $593.5M | 46.73% | 10.76% | 0.21% |
| Q1 2025 | $568.4M | $607.7M | 47.48% | 10.56% | 0.18% |
| Q2 2025 | $574.1M | $616.7M | 47.02% | 9.51% | 0.16% |
| Q3 2025 | $558.8M | $619.2M | 47.78% | 9.39% | 0.17% |
| Q4 2025 | $563.0M | $626.5M | 47.73% | 9.78% | 0.16% |
| Q1 2026 | $560.1M | $628.5M | 50.38% | 9.77% | 0.26% |
| Q2 2026 | $546.1M | $620.1M | 52.49% | 9.24% | 0.24% |
Premier Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank Minnesota, 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 Premier Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33204) · FFIEC NIC profile (RSSD 1481745)