The State Bank of Faribault: 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 Loans to total assets: 1.56 percentage points lower than in Q1 2026, at 54.49%. Within Minnesota, The State Bank of Faribault is 186th of 221 on loan-to-deposit ratio, 59.51% as of Q2 2026, below the middle of the field. The State Bank of Faribault reported 59.51% on loan-to-deposit ratio for Q2 2026, 21.33 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $179.4M |
| Net loans and leases | $175.9M |
| Loans held for sale | $59K |
| Loans to total assets | 54.49% |
| Loan-to-deposit ratio | 59.51% |
| Net loans to equity capital | 7.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.88% |
| Multifamily (5+ residential) | 6.02% |
| Commercial and industrial | 16.09% |
| Consumer | 3.10% |
| Credit cards | 0.00% |
| Farm | 8.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.07% |
| Construction concentration (Tier 1 capital + allowance) | 26.19% |
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 | 7.40% |
| Interest income on loans | $3.3M |
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 | $154.4M | $274.2M | 22.18% | 13.71% | 5.30% |
| Q4 2023 | $156.1M | $278.4M | 21.57% | 14.57% | 5.20% |
| Q1 2024 | $159.6M | $281.8M | 20.99% | 14.08% | 5.15% |
| Q2 2024 | $166.4M | $286.7M | 19.68% | 13.90% | 4.91% |
| Q3 2024 | $168.9M | $286.1M | 20.68% | 13.81% | 4.71% |
| Q4 2024 | $170.2M | $287.9M | 20.60% | 13.40% | 4.47% |
| Q1 2025 | $171.2M | $290.9M | 20.06% | 14.82% | 4.35% |
| Q2 2025 | $177.8M | $290.4M | 19.78% | 15.67% | 3.92% |
| Q3 2025 | $175.5M | $296.9M | 23.08% | 14.50% | 3.81% |
| Q4 2025 | $177.8M | $285.1M | 23.48% | 15.22% | 3.66% |
| Q1 2026 | $181.1M | $296.6M | 22.79% | 16.03% | 3.26% |
| Q2 2026 | $179.4M | $301.4M | 21.88% | 16.09% | 3.10% |
The State Bank of Faribault loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Faribault, 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 The State Bank of Faribault profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1610) · FFIEC NIC profile (RSSD 46053)