State Bank of Cold Spring: 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 CRE concentration (Tier 1 capital + allowance): 5.48 percentage points higher than in Q1 2026, at 31.08%. State Bank of Cold Spring ranks 174th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 64.38% (Q2 2026). State Bank of Cold Spring reported 64.38% on loan-to-deposit ratio for Q2 2026, 3.24 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.5M |
| Net loans and leases | $47.2M |
| Loans held for sale | $0 |
| Loans to total assets | 58.13% |
| Loan-to-deposit ratio | 64.38% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.97% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.74% |
| Consumer | 7.45% |
| Credit cards | 0.00% |
| Farm | 3.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.08% |
| Construction concentration (Tier 1 capital + allowance) | 21.21% |
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 | 6.36% |
| Interest income on loans | $748K |
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 | $39.3M | $87.5M | 9.54% | 3.87% | 10.21% |
| Q4 2023 | $39.4M | $87.0M | 8.99% | 3.29% | 10.12% |
| Q1 2024 | $39.4M | $79.4M | 8.81% | 2.94% | 10.16% |
| Q2 2024 | $41.0M | $82.5M | 8.79% | 3.66% | 9.46% |
| Q3 2024 | $43.6M | $79.5M | 9.32% | 4.61% | 8.75% |
| Q4 2024 | $43.0M | $82.4M | 8.56% | 3.88% | 8.74% |
| Q1 2025 | $44.6M | $81.5M | 8.03% | 2.79% | 8.54% |
| Q2 2025 | $42.2M | $75.9M | 9.39% | 3.17% | 8.74% |
| Q3 2025 | $43.8M | $73.9M | 9.14% | 2.55% | 9.19% |
| Q4 2025 | $44.3M | $71.8M | 8.95% | 3.34% | 7.93% |
| Q1 2026 | $45.8M | $71.2M | 8.22% | 3.02% | 7.58% |
| Q2 2026 | $47.5M | $73.8M | 7.97% | 3.74% | 7.45% |
State Bank of Cold Spring loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Cold Spring, 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 State Bank of Cold Spring profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12444) · FFIEC NIC profile (RSSD 116358)