United Minnesota 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.
Cre concentration (tier 1 capital + allowance) climbed 14.83 percentage points in Q2 2026, from 58.78% to 73.61%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, United Minnesota Bank is 87th of 221 on loan-to-deposit ratio, 85.67% as of Q2 2026, above the middle of the field. United Minnesota Bank reported 85.67% on loan-to-deposit ratio for Q2 2026, 18.04 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.0M |
| Net loans and leases | $44.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.01% |
| Loan-to-deposit ratio | 85.67% |
| Net loans to equity capital | 10.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.96% |
| Multifamily (5+ residential) | 1.77% |
| Commercial and industrial | 13.40% |
| Consumer | 8.90% |
| Credit cards | 0.00% |
| Farm | 2.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.61% |
| Construction concentration (Tier 1 capital + allowance) | 56.33% |
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 | 6.35% |
| Interest income on loans | $696K |
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 | $30.6M | $45.6M | 8.18% | 13.33% | 13.33% |
| Q4 2023 | $30.2M | $44.3M | 8.57% | 12.43% | 12.90% |
| Q1 2024 | $30.2M | $44.3M | 10.52% | 14.77% | 12.87% |
| Q2 2024 | $31.4M | $45.8M | 10.70% | 14.42% | 12.46% |
| Q3 2024 | $32.9M | $44.7M | 9.84% | 12.90% | 13.92% |
| Q4 2024 | $34.2M | $45.9M | 8.04% | 13.49% | 12.62% |
| Q1 2025 | $34.4M | $45.9M | 7.95% | 13.90% | 12.30% |
| Q2 2025 | $36.1M | $46.8M | 7.51% | 13.15% | 11.60% |
| Q3 2025 | $38.4M | $45.6M | 9.62% | 13.55% | 10.57% |
| Q4 2025 | $39.8M | $48.1M | 9.50% | 13.29% | 9.86% |
| Q1 2026 | $41.7M | $49.4M | 8.67% | 13.09% | 9.60% |
| Q2 2026 | $45.0M | $52.5M | 7.96% | 13.40% | 8.90% |
United Minnesota Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Minnesota 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 United Minnesota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10567) · FFIEC NIC profile (RSSD 842853)