Security State Bank of Kenyon: 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 8.35 percentage points in Q2 2026, from 17.10% to 25.45%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Security State Bank of Kenyon is 83rd of 221 on loan-to-deposit ratio, 86.29% as of Q2 2026, above the middle of the field. Security State Bank of Kenyon reported 86.29% on loan-to-deposit ratio for Q2 2026, 18.67 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.5M |
| Net loans and leases | $53.9M |
| Loans held for sale | $0 |
| Loans to total assets | 75.50% |
| Loan-to-deposit ratio | 86.29% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.44% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.07% |
| Consumer | 1.50% |
| Credit cards | 0.00% |
| Farm | 29.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.45% |
| 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 | 6.35% |
| Interest income on loans | $853K |
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 | $48.5M | $59.7M | 6.36% | 9.35% | 1.51% |
| Q4 2023 | $51.1M | $63.0M | 6.23% | 9.03% | 1.52% |
| Q1 2024 | $51.6M | $61.7M | 6.11% | 9.96% | 1.76% |
| Q2 2024 | $51.0M | $59.7M | 4.26% | 9.64% | 1.70% |
| Q3 2024 | $50.2M | $58.5M | 5.15% | 9.66% | 1.69% |
| Q4 2024 | $51.8M | $61.9M | 5.69% | 8.22% | 1.72% |
| Q1 2025 | $50.8M | $59.2M | 5.99% | 7.72% | 1.74% |
| Q2 2025 | $50.8M | $58.4M | 4.55% | 7.46% | 1.97% |
| Q3 2025 | $50.3M | $58.6M | 5.14% | 6.63% | 1.90% |
| Q4 2025 | $49.4M | $63.0M | 4.53% | 8.33% | 1.66% |
| Q1 2026 | $52.2M | $62.4M | 5.72% | 9.45% | 1.58% |
| Q2 2026 | $54.5M | $63.2M | 6.44% | 9.07% | 1.50% |
Security State Bank of Kenyon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Kenyon, 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 Kenyon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15597) · FFIEC NIC profile (RSSD 984454)