Prime Security 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 CRE concentration (Tier 1 capital + allowance): 20.14 percentage points higher than in Q1 2026, at 485.59%. Prime Security Bank ranks 26th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 102.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Prime Security Bank sits 21.32 points higher, at 102.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $134.2M |
| Net loans and leases | $133.4M |
| Loans held for sale | $0 |
| Loans to total assets | 86.85% |
| Loan-to-deposit ratio | 102.16% |
| Net loans to equity capital | 10.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.87% |
| Multifamily (5+ residential) | 13.12% |
| Commercial and industrial | 6.45% |
| Consumer | 2.04% |
| Credit cards | 0.00% |
| Farm | 1.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 485.59% |
| Construction concentration (Tier 1 capital + allowance) | 42.01% |
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 | 6.70% |
| Interest income on loans | $2.2M |
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 | $119.8M | $111.8M | 40.75% | 11.80% | 2.04% |
| Q4 2023 | $120.0M | $118.1M | 42.18% | 10.30% | 1.98% |
| Q1 2024 | $122.8M | $113.9M | 42.47% | 9.96% | 2.49% |
| Q2 2024 | $119.2M | $115.7M | 43.72% | 9.52% | 2.54% |
| Q3 2024 | $114.2M | $113.7M | 44.87% | 8.05% | 3.43% |
| Q4 2024 | $117.5M | $114.0M | 47.31% | 7.36% | 3.15% |
| Q1 2025 | $121.4M | $123.2M | 48.57% | 7.32% | 2.93% |
| Q2 2025 | $121.6M | $127.3M | 49.77% | 6.68% | 2.70% |
| Q3 2025 | $125.6M | $126.8M | 47.38% | 6.00% | 2.51% |
| Q4 2025 | $126.5M | $127.5M | 47.26% | 5.79% | 2.29% |
| Q1 2026 | $127.9M | $125.1M | 47.37% | 5.33% | 2.18% |
| Q2 2026 | $134.2M | $131.3M | 45.87% | 6.45% | 2.04% |
Prime Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prime Security 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 Prime Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10971) · FFIEC NIC profile (RSSD 909756)