United Prairie 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): 8.00 percentage points higher than in Q1 2026, at 35.65%. Within Minnesota, United Prairie Bank is 33rd of 221 on loan-to-deposit ratio, 100.65% as of Q2 2026, above the middle of the field. United Prairie Bank reported 100.65% on loan-to-deposit ratio for Q2 2026, 19.82 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $793.5M |
| Net loans and leases | $786.1M |
| Loans held for sale | $0 |
| Loans to total assets | 84.49% |
| Loan-to-deposit ratio | 100.65% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.77% |
| Multifamily (5+ residential) | 6.55% |
| Commercial and industrial | 13.00% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 24.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.79% |
| Construction concentration (Tier 1 capital + allowance) | 35.65% |
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 | — |
| Interest income on loans | $12.7M |
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 | $699.8M | $713.7M | 26.77% | 13.98% | 0.45% |
| Q4 2023 | $738.2M | $733.7M | 25.38% | 14.16% | 0.39% |
| Q1 2024 | $739.0M | $730.8M | 24.96% | 14.74% | 0.35% |
| Q2 2024 | $757.1M | $759.1M | 23.97% | 15.46% | 0.33% |
| Q3 2024 | $751.4M | $767.2M | 23.78% | 14.40% | 0.32% |
| Q4 2024 | $768.5M | $775.5M | 23.17% | 14.21% | 0.31% |
| Q1 2025 | $758.9M | $795.4M | 23.29% | 14.05% | 0.35% |
| Q2 2025 | $775.9M | $784.2M | 23.37% | 15.06% | 0.30% |
| Q3 2025 | $765.9M | $793.0M | 24.23% | 14.32% | 0.30% |
| Q4 2025 | $793.7M | $815.2M | 25.62% | 13.64% | 0.31% |
| Q1 2026 | $787.1M | $838.3M | 26.88% | 13.52% | 0.33% |
| Q2 2026 | $793.5M | $788.4M | 27.77% | 13.00% | 0.28% |
United Prairie Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Prairie 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 Prairie Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10958) · FFIEC NIC profile (RSSD 712059)