Security Bank Minnesota: 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): 5.91 percentage points lower than in Q1 2026, at 69.47%. Within Minnesota, Security Bank Minnesota is 82nd of 221 on loan-to-deposit ratio, 86.45% as of Q2 2026, above the middle of the field. Security Bank Minnesota reported 86.45% on loan-to-deposit ratio for Q2 2026, 5.61 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $108.1M |
| Net loans and leases | $106.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.52% |
| Loan-to-deposit ratio | 86.45% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.54% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 69.00% |
| Consumer | 1.35% |
| Credit cards | 0.03% |
| Farm | 3.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.47% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.67% |
| Interest income on loans | $1.8M |
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 | $124.0M | $118.3M | 16.26% | 71.76% | 2.27% |
| Q4 2023 | $124.2M | $123.4M | 17.10% | 69.21% | 2.10% |
| Q1 2024 | $124.7M | $127.8M | 16.45% | 70.20% | 1.97% |
| Q2 2024 | $120.7M | $123.7M | 16.41% | 69.91% | 1.89% |
| Q3 2024 | $115.5M | $121.4M | 16.42% | 70.21% | 1.83% |
| Q4 2024 | $116.3M | $123.0M | 15.47% | 69.69% | 1.62% |
| Q1 2025 | $109.4M | $127.1M | 15.66% | 69.52% | 1.58% |
| Q2 2025 | $106.6M | $122.7M | 16.24% | 68.53% | 1.59% |
| Q3 2025 | $103.2M | $119.2M | 16.95% | 69.10% | 1.44% |
| Q4 2025 | $108.4M | $124.7M | 16.25% | 69.17% | 1.39% |
| Q1 2026 | $105.5M | $128.5M | 17.59% | 68.23% | 1.34% |
| Q2 2026 | $108.1M | $125.0M | 17.54% | 69.00% | 1.35% |
Security Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank Minnesota, 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 Security Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10984) · FFIEC NIC profile (RSSD 295057)