Sentry Bank: 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 Construction concentration (Tier 1 capital + allowance): 11.26 percentage points lower than in Q1 2026, at 85.29%. Sentry Bank ranks 92nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 84.87% (Q2 2026). Sentry Bank reported 84.87% on loan-to-deposit ratio for Q2 2026, 4.32 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $309.8M |
| Net loans and leases | $306.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.57% |
| Loan-to-deposit ratio | 84.87% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.95% |
| Multifamily (5+ residential) | 4.27% |
| Commercial and industrial | 18.15% |
| Consumer | 1.26% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 284.34% |
| Construction concentration (Tier 1 capital + allowance) | 85.29% |
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 | 7.02% |
| Interest income on loans | $5.2M |
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 | $202.0M | $261.5M | 41.74% | 10.47% | 2.26% |
| Q4 2023 | $210.8M | $267.4M | 39.42% | 12.22% | 2.20% |
| Q1 2024 | $222.9M | $274.7M | 40.87% | 14.45% | 2.10% |
| Q2 2024 | $228.4M | $272.6M | 39.14% | 13.96% | 2.64% |
| Q3 2024 | $230.5M | $277.4M | 43.30% | 16.52% | 2.23% |
| Q4 2024 | $229.1M | $274.2M | 43.78% | 16.88% | 2.29% |
| Q1 2025 | $239.1M | $287.1M | 42.64% | 19.21% | 1.80% |
| Q2 2025 | $242.9M | $299.5M | 42.77% | 18.73% | 1.79% |
| Q3 2025 | $254.5M | $318.8M | 43.42% | 17.90% | 1.26% |
| Q4 2025 | $275.2M | $324.2M | 42.21% | 17.53% | 1.26% |
| Q1 2026 | $291.0M | $330.0M | 40.32% | 17.66% | 1.20% |
| Q2 2026 | $309.8M | $365.0M | 38.95% | 18.15% | 1.26% |
Sentry Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sentry Bank, 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 Sentry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8546) · FFIEC NIC profile (RSSD 746157)