Saint Clair 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 CRE concentration (Tier 1 capital + allowance): 2.22 percentage points higher than in Q1 2026, at 7.13%. Within Minnesota, Saint Clair State Bank (Incorporated) is 96th of 221 on loan-to-deposit ratio, 84.07% as of Q2 2026, above the middle of the field. Saint Clair State Bank (Incorporated) reported 84.07% on loan-to-deposit ratio for Q2 2026, 3.23 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.5M |
| Net loans and leases | $98.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.08% |
| Loan-to-deposit ratio | 84.07% |
| Net loans to equity capital | 6.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.94% |
| Consumer | 5.73% |
| Credit cards | 0.00% |
| Farm | 31.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.13% |
| Construction concentration (Tier 1 capital + allowance) | 7.13% |
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 | $1.6M |
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 | $82.8M | $99.3M | 8.06% | 9.95% | 6.39% |
| Q4 2023 | $91.1M | $99.9M | 7.83% | 9.52% | 5.94% |
| Q1 2024 | $88.2M | $102.2M | 8.21% | 10.61% | 6.14% |
| Q2 2024 | $90.9M | $100.7M | 8.79% | 12.39% | 5.98% |
| Q3 2024 | $91.3M | $102.6M | 8.75% | 11.83% | 5.83% |
| Q4 2024 | $96.9M | $110.9M | 7.79% | 10.95% | 5.36% |
| Q1 2025 | $93.4M | $112.1M | 8.10% | 10.62% | 5.57% |
| Q2 2025 | $94.4M | $111.5M | 7.97% | 10.01% | 5.72% |
| Q3 2025 | $94.6M | $116.3M | 8.00% | 11.07% | 5.73% |
| Q4 2025 | $98.9M | $115.9M | 7.10% | 10.26% | 5.46% |
| Q1 2026 | $97.3M | $117.4M | 6.99% | 10.38% | 5.61% |
| Q2 2026 | $99.5M | $118.4M | 6.91% | 10.94% | 5.73% |
Saint Clair State Bank (Incorporated) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Clair 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 Saint Clair State Bank (Incorporated) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1903) · FFIEC NIC profile (RSSD 854753)