Prinsbank: 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): 3.62 percentage points higher than in Q1 2026, at 130.55%. Prinsbank ranks 152nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 71.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Prinsbank sits 8.57 points lower, at 71.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.2M |
| Net loans and leases | $178.8M |
| Loans held for sale | $0 |
| Loans to total assets | 61.38% |
| Loan-to-deposit ratio | 71.98% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.37% |
| Multifamily (5+ residential) | 0.29% |
| Commercial and industrial | 8.43% |
| Consumer | 0.87% |
| Credit cards | 0.00% |
| Farm | 4.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.55% |
| Construction concentration (Tier 1 capital + allowance) | 10.39% |
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 | 7.35% |
| Interest income on loans | $3.4M |
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 | $142.4M | $160.3M | 80.35% | 5.62% | 2.10% |
| Q4 2023 | $144.1M | $158.4M | 79.14% | 5.16% | 1.74% |
| Q1 2024 | $136.0M | $159.7M | 80.36% | 5.55% | 1.72% |
| Q2 2024 | $135.5M | $158.3M | 78.21% | 6.91% | 1.72% |
| Q3 2024 | $144.5M | $156.9M | 79.39% | 6.49% | 1.50% |
| Q4 2024 | $136.5M | $168.9M | 77.10% | 7.28% | 1.72% |
| Q1 2025 | $129.5M | $181.7M | 78.28% | 7.66% | 1.49% |
| Q2 2025 | $131.1M | $182.9M | 75.88% | 8.19% | 1.40% |
| Q3 2025 | $143.9M | $167.2M | 79.03% | 7.69% | 0.97% |
| Q4 2025 | $149.4M | $181.3M | 78.93% | 6.93% | 0.90% |
| Q1 2026 | $186.0M | $255.9M | 67.72% | 8.22% | 0.95% |
| Q2 2026 | $189.2M | $262.9M | 66.37% | 8.43% | 0.87% |
Prinsbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prinsbank, 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 Prinsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10191) · FFIEC NIC profile (RSSD 787459)