Security State Bank of Hibbing: 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) dropped 5.69 percentage points in Q2 2026, from 74.85% to 69.16%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security State Bank of Hibbing is 130th of 221 on loan-to-deposit ratio, 76.39% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Security State Bank of Hibbing sits 4.55 points lower, at 76.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.2M |
| Net loans and leases | $97.7M |
| Loans held for sale | $0 |
| Loans to total assets | 65.32% |
| Loan-to-deposit ratio | 76.39% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.65% |
| Multifamily (5+ residential) | 0.36% |
| Commercial and industrial | 30.79% |
| Consumer | 6.14% |
| Credit cards | 0.35% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.16% |
| Construction concentration (Tier 1 capital + allowance) | 15.41% |
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 | 6.78% |
| 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 | $88.0M | $140.3M | 22.60% | 33.98% | 2.42% |
| Q4 2023 | $90.2M | $138.4M | 22.56% | 34.00% | 2.57% |
| Q1 2024 | $89.2M | $137.4M | 21.79% | 34.52% | 2.13% |
| Q2 2024 | $87.2M | $135.4M | 21.32% | 35.92% | 2.23% |
| Q3 2024 | $88.2M | $144.8M | 20.93% | 35.07% | 2.18% |
| Q4 2024 | $87.3M | $140.9M | 20.82% | 34.94% | 2.06% |
| Q1 2025 | $87.6M | $132.9M | 24.41% | 32.62% | 1.91% |
| Q2 2025 | $91.5M | $135.7M | 24.23% | 32.74% | 3.56% |
| Q3 2025 | $89.8M | $139.0M | 28.17% | 29.70% | 2.84% |
| Q4 2025 | $94.9M | $136.2M | 29.11% | 30.67% | 5.50% |
| Q1 2026 | $92.3M | $128.7M | 29.63% | 30.75% | 4.75% |
| Q2 2026 | $99.2M | $129.9M | 29.65% | 30.79% | 6.14% |
Security State Bank of Hibbing loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Hibbing, 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 Hibbing profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10175) · FFIEC NIC profile (RSSD 950356)