Star 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): 12.40 percentage points lower than in Q1 2026, at 162.94%. Within Minnesota, Star Bank is 53rd of 221 on loan-to-deposit ratio, 92.88% as of Q2 2026, above the middle of the field. Star Bank reported 92.88% on loan-to-deposit ratio for Q2 2026, 12.04 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $357.2M |
| Net loans and leases | $353.4M |
| Loans held for sale | $0 |
| Loans to total assets | 80.14% |
| Loan-to-deposit ratio | 92.88% |
| Net loans to equity capital | 8.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.84% |
| Multifamily (5+ residential) | 1.64% |
| Commercial and industrial | 16.08% |
| Consumer | 1.83% |
| Credit cards | 0.00% |
| Farm | 16.62% |
| Loans to depository institutions | 2.35% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 219.25% |
| Construction concentration (Tier 1 capital + allowance) | 162.94% |
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 | 7.25% |
| Interest income on loans | $6.4M |
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 | $294.4M | $338.8M | 8.48% | 18.00% | 3.85% |
| Q4 2023 | $300.4M | $334.6M | 8.79% | 17.45% | 3.76% |
| Q1 2024 | $303.6M | $344.8M | 9.14% | 18.06% | 3.72% |
| Q2 2024 | $350.2M | $389.3M | 9.53% | 16.83% | 3.39% |
| Q3 2024 | $363.5M | $382.9M | 9.04% | 16.17% | 3.14% |
| Q4 2024 | $374.8M | $402.5M | 8.73% | 16.74% | 2.96% |
| Q1 2025 | $369.2M | $397.4M | 7.73% | 16.56% | 2.74% |
| Q2 2025 | $374.3M | $386.2M | 7.84% | 16.38% | 2.55% |
| Q3 2025 | $374.4M | $395.1M | 8.23% | 16.16% | 2.43% |
| Q4 2025 | $370.1M | $403.6M | 8.43% | 16.58% | 2.08% |
| Q1 2026 | $355.5M | $396.7M | 9.28% | 16.18% | 2.15% |
| Q2 2026 | $357.2M | $384.6M | 9.84% | 16.08% | 1.83% |
Star Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Star 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 Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5095) · FFIEC NIC profile (RSSD 715050)