Security State Bank of Aitkin: 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) climbed 4.42 percentage points in Q2 2026, from 54.42% to 58.84%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security State Bank of Aitkin is 196th of 221 on loan-to-deposit ratio, 53.53% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security State Bank of Aitkin sits 27.31 points lower, at 53.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.1M |
| Net loans and leases | $56.0M |
| Loans held for sale | $0 |
| Loans to total assets | 49.89% |
| Loan-to-deposit ratio | 53.53% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.20% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 0.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.84% |
| Construction concentration (Tier 1 capital + allowance) | 33.81% |
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 | 7.71% |
| Interest income on loans | $1.1M |
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 | $44.2M | $103.8M | 40.12% | 26.49% | 3.36% |
| Q4 2023 | $44.7M | $104.5M | 38.75% | 27.53% | 3.64% |
| Q1 2024 | $45.5M | $98.0M | 37.81% | 29.45% | 3.50% |
| Q2 2024 | $47.1M | $99.2M | 39.80% | 28.78% | 3.67% |
| Q3 2024 | $45.4M | $102.2M | 41.22% | 27.03% | 3.83% |
| Q4 2024 | $46.7M | $103.3M | 43.15% | 22.54% | 6.03% |
| Q1 2025 | $50.5M | $102.5M | 40.32% | 27.89% | 4.98% |
| Q2 2025 | $50.3M | $103.4M | 39.34% | 24.99% | 5.37% |
| Q3 2025 | $52.3M | $104.8M | 44.71% | 23.27% | 3.92% |
| Q4 2025 | $53.8M | $104.5M | 45.29% | 22.39% | 3.79% |
| Q1 2026 | $54.6M | $102.2M | 46.79% | 20.72% | 3.59% |
| Q2 2026 | $57.1M | $106.7M | 46.29% | 21.20% | 3.27% |
Security State Bank of Aitkin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Aitkin, 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 State Bank of Aitkin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16656) · FFIEC NIC profile (RSSD 267652)