Produce State 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.
Commercial and industrial dropped 2.14 percentage points in Q2 2026, from 15.49% to 13.34%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Produce State Bank is 176th of 221 on loan-to-deposit ratio, 63.27% 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. Produce State Bank sits 17.57 points lower, at 63.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.9M |
| Net loans and leases | $59.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.86% |
| Loan-to-deposit ratio | 63.27% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.01% |
| Multifamily (5+ residential) | 6.38% |
| Commercial and industrial | 13.34% |
| Consumer | 6.59% |
| Credit cards | 0.03% |
| Farm | 15.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.43% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.46% |
| Interest income on loans | $975K |
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 | $50.9M | $102.4M | 20.57% | 14.90% | 7.62% |
| Q4 2023 | $52.8M | $102.6M | 17.77% | 13.16% | 7.52% |
| Q1 2024 | $50.2M | $99.4M | 18.29% | 13.16% | 7.65% |
| Q2 2024 | $52.4M | $98.3M | 18.14% | 13.61% | 7.76% |
| Q3 2024 | $53.0M | $96.9M | 17.96% | 13.04% | 7.42% |
| Q4 2024 | $55.9M | $101.1M | 16.60% | 12.39% | 6.67% |
| Q1 2025 | $52.8M | $98.7M | 15.12% | 14.10% | 7.05% |
| Q2 2025 | $53.5M | $94.4M | 14.99% | 14.70% | 7.37% |
| Q3 2025 | $54.5M | $95.6M | 15.19% | 16.77% | 7.28% |
| Q4 2025 | $57.8M | $101.1M | 16.01% | 14.85% | 6.72% |
| Q1 2026 | $61.4M | $98.2M | 16.93% | 15.49% | 6.26% |
| Q2 2026 | $59.9M | $94.6M | 17.01% | 13.34% | 6.59% |
Produce State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Produce State 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 Produce State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10178) · FFIEC NIC profile (RSSD 24659)