Progrowth 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 Construction concentration (Tier 1 capital + allowance): 1.12 percentage points higher than in Q1 2026, at 14.66%. Progrowth Bank has the 3rd lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 24.80% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Progrowth Bank reported 24.80% on loan-to-deposit ratio in Q2 2026, 56.04 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.1M |
| Net loans and leases | $80.5M |
| Loans held for sale | $0 |
| Loans to total assets | 22.24% |
| Loan-to-deposit ratio | 24.80% |
| Net loans to equity capital | 4.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.28% |
| Multifamily (5+ residential) | 1.81% |
| Commercial and industrial | 11.08% |
| Consumer | 1.09% |
| Credit cards | 0.00% |
| Farm | 28.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.20% |
| Construction concentration (Tier 1 capital + allowance) | 14.66% |
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 | 6.56% |
| Interest income on loans | $1.3M |
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 | $72.9M | $300.3M | 13.60% | 15.02% | 1.76% |
| Q4 2023 | $76.2M | $355.4M | 12.83% | 12.90% | 1.70% |
| Q1 2024 | $76.7M | $344.3M | 12.72% | 13.07% | 1.55% |
| Q2 2024 | $77.9M | $355.4M | 12.42% | 12.09% | 1.62% |
| Q3 2024 | $78.4M | $344.0M | 11.96% | 12.06% | 1.45% |
| Q4 2024 | $80.7M | $329.0M | 13.75% | 11.52% | 1.48% |
| Q1 2025 | $79.5M | $330.9M | 13.58% | 12.78% | 1.35% |
| Q2 2025 | $81.9M | $335.5M | 13.47% | 11.72% | 1.38% |
| Q3 2025 | $79.2M | $339.9M | 13.48% | 11.71% | 1.72% |
| Q4 2025 | $83.7M | $334.0M | 14.54% | 10.21% | 1.17% |
| Q1 2026 | $81.9M | $333.8M | 12.15% | 11.00% | 1.18% |
| Q2 2026 | $81.1M | $327.1M | 12.28% | 11.08% | 1.09% |
Progrowth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Progrowth 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 Progrowth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8536) · FFIEC NIC profile (RSSD 751254)