Randall 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.
Cre concentration (tier 1 capital + allowance) dropped 22.82 percentage points in Q2 2026, from 182.17% to 159.35%. It was the largest change from Q1 2026 among the key lines here. Randall State Bank ranks 39th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 97.60% (Q2 2026). Randall State Bank reported 97.60% on loan-to-deposit ratio for Q2 2026, 29.97 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $61.7M |
| Net loans and leases | $61.1M |
| Loans held for sale | $0 |
| Loans to total assets | 80.82% |
| Loan-to-deposit ratio | 97.60% |
| Net loans to equity capital | 4.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.66% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 4.25% |
| Consumer | 3.20% |
| Credit cards | 0.00% |
| Farm | 3.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.35% |
| Construction concentration (Tier 1 capital + allowance) | 94.38% |
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 | — |
| Interest income on loans | $1.2M |
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 | $45.9M | $52.8M | 32.43% | 5.77% | 5.12% |
| Q4 2023 | $46.4M | $54.4M | 32.59% | 6.30% | 4.96% |
| Q1 2024 | $45.8M | $53.8M | 17.69% | 7.63% | 4.92% |
| Q2 2024 | $47.2M | $52.9M | 18.28% | 7.51% | 4.56% |
| Q3 2024 | $45.8M | $53.1M | 18.27% | 7.25% | 4.92% |
| Q4 2024 | $46.7M | $52.3M | 16.89% | 6.17% | 4.27% |
| Q1 2025 | $48.0M | $54.1M | 15.90% | 6.63% | 3.87% |
| Q2 2025 | $48.4M | $53.3M | 15.52% | 5.49% | 3.69% |
| Q3 2025 | $52.3M | $68.3M | 18.51% | 4.51% | 3.42% |
| Q4 2025 | $55.3M | $58.7M | 20.97% | 4.20% | 3.48% |
| Q1 2026 | $58.5M | $62.2M | 22.42% | 4.99% | 3.22% |
| Q2 2026 | $61.7M | $63.2M | 21.66% | 4.25% | 3.20% |
Randall State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Randall 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 Randall State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10969) · FFIEC NIC profile (RSSD 172251)