Ultima Bank Minnesota: 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 7.20 percentage points in Q2 2026, from 61.85% to 69.06%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Ultima Bank Minnesota sits 9th from the top on loan-to-deposit ratio, 113.27% as of Q2 2026. Ultima Bank Minnesota reported 113.27% on loan-to-deposit ratio for Q2 2026, 32.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $314.1M |
| Net loans and leases | $311.2M |
| Loans held for sale | $0 |
| Loans to total assets | 94.07% |
| Loan-to-deposit ratio | 113.27% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.60% |
| Multifamily (5+ residential) | 0.47% |
| Commercial and industrial | 13.42% |
| Consumer | 1.56% |
| Credit cards | 0.00% |
| Farm | 27.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.06% |
| Construction concentration (Tier 1 capital + allowance) | 24.60% |
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 | 7.59% |
| Interest income on loans | $5.8M |
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 | $240.2M | $231.2M | 16.98% | 11.90% | 2.32% |
| Q4 2023 | $249.8M | $231.0M | 17.08% | 10.47% | 2.16% |
| Q1 2024 | $254.2M | $235.4M | 17.02% | 11.78% | 2.20% |
| Q2 2024 | $272.2M | $243.0M | 16.34% | 13.43% | 2.21% |
| Q3 2024 | $272.0M | $256.1M | 15.43% | 11.73% | 2.21% |
| Q4 2024 | $273.8M | $252.1M | 15.36% | 11.28% | 2.03% |
| Q1 2025 | $280.9M | $262.4M | 15.44% | 12.02% | 2.01% |
| Q2 2025 | $292.3M | $260.5M | 15.18% | 12.95% | 2.06% |
| Q3 2025 | $300.1M | $273.8M | 16.80% | 12.31% | 1.92% |
| Q4 2025 | $292.1M | $277.6M | 16.18% | 12.71% | 1.81% |
| Q1 2026 | $298.7M | $280.6M | 16.36% | 12.79% | 1.65% |
| Q2 2026 | $314.1M | $277.3M | 15.60% | 13.42% | 1.56% |
Ultima Bank Minnesota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ultima Bank Minnesota, 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 Ultima Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8867) · FFIEC NIC profile (RSSD 225157)