Rushford State Bank (Incorporated): 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 Yield on loans: 11.72 percentage points lower than in Q1 2026, at -5.41%. Within Minnesota, Rushford State Bank (Incorporated) is 193rd of 221 on loan-to-deposit ratio, 55.72% as of Q2 2026, below the middle of the field. Rushford State Bank (Incorporated) reported 55.72% on loan-to-deposit ratio for Q2 2026, 25.12 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.4M |
| Net loans and leases | $57.9M |
| Loans held for sale | $0 |
| Loans to total assets | 50.89% |
| Loan-to-deposit ratio | 55.72% |
| Net loans to equity capital | 6.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.68% |
| Multifamily (5+ residential) | 0.47% |
| Commercial and industrial | 6.61% |
| Consumer | 6.39% |
| Credit cards | 0.00% |
| Farm | 32.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.29% |
| Construction concentration (Tier 1 capital + allowance) | 0.64% |
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 | -5.41% |
| Interest income on loans | -$792K |
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 | $54.0M | $90.2M | 8.00% | 9.91% | 8.74% |
| Q4 2023 | $55.0M | $93.4M | 8.00% | 9.70% | 8.83% |
| Q1 2024 | $54.5M | $91.6M | 8.39% | 10.15% | 8.81% |
| Q2 2024 | $56.5M | $89.4M | 8.74% | 9.82% | 8.85% |
| Q3 2024 | $58.2M | $92.7M | 8.66% | 8.65% | 8.46% |
| Q4 2024 | $58.6M | $95.1M | 10.30% | 8.45% | 8.28% |
| Q1 2025 | $59.3M | $99.6M | 9.84% | 8.20% | 7.86% |
| Q2 2025 | $60.8M | $98.7M | 10.31% | 7.83% | 6.93% |
| Q3 2025 | $62.5M | $99.3M | 9.84% | 7.83% | 6.42% |
| Q4 2025 | $60.1M | $102.6M | 9.71% | 6.97% | 6.39% |
| Q1 2026 | $58.5M | $107.0M | 9.77% | 6.65% | 6.57% |
| Q2 2026 | $58.4M | $104.8M | 9.68% | 6.61% | 6.39% |
Rushford State Bank (Incorporated) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rushford State Bank (Incorporated), 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 Rushford State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11411) · FFIEC NIC profile (RSSD 884657)