Red River 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.12 percentage points higher than in Q1 2026, at 107.14%. Among 221 Minnesota banks, Red River State Bank sits 20th from the top on loan-to-deposit ratio, 107.14% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Red River State Bank sits 26.30 points higher, at 107.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.2M |
| Net loans and leases | $96.6M |
| Loans held for sale | $0 |
| Loans to total assets | 89.11% |
| Loan-to-deposit ratio | 107.14% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.69% |
| Multifamily (5+ residential) | 8.62% |
| Commercial and industrial | 33.50% |
| Consumer | 10.12% |
| Credit cards | 0.00% |
| Farm | 13.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.95% |
| Construction concentration (Tier 1 capital + allowance) | 11.98% |
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 | 6.48% |
| Interest income on loans | $1.6M |
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 | $112.7M | $106.3M | 0.68% | 32.60% | 10.13% |
| Q4 2023 | $106.7M | $108.3M | 0.71% | 32.69% | 10.27% |
| Q1 2024 | $112.4M | $106.0M | 0.67% | 36.98% | 9.46% |
| Q2 2024 | $112.5M | $105.8M | 0.63% | 35.63% | 9.40% |
| Q3 2024 | $111.3M | $104.5M | 0.64% | 33.41% | 9.63% |
| Q4 2024 | $108.2M | $107.2M | 0.65% | 32.52% | 9.78% |
| Q1 2025 | $104.5M | $108.3M | 0.67% | 31.71% | 9.65% |
| Q2 2025 | $104.0M | $98.5M | 0.64% | 29.65% | 9.63% |
| Q3 2025 | $105.0M | $98.8M | 0.63% | 28.83% | 9.54% |
| Q4 2025 | $104.9M | $103.2M | 0.62% | 31.28% | 9.26% |
| Q1 2026 | $99.4M | $102.4M | 1.03% | 33.83% | 9.96% |
| Q2 2026 | $98.2M | $91.7M | 1.69% | 33.50% | 10.12% |
Red River State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Red River 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 Red River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15820) · FFIEC NIC profile (RSSD 1005655)