Valley Premier 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 Loan-to-deposit ratio: 5.76 percentage points higher than in Q1 2026, at 70.70%. Valley Premier Bank ranks 157th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 70.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Valley Premier Bank sits 9.85 points lower, at 70.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.3M |
| Net loans and leases | $89.5M |
| Loans held for sale | $0 |
| Loans to total assets | 64.02% |
| Loan-to-deposit ratio | 70.70% |
| Net loans to equity capital | 7.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.21% |
| Multifamily (5+ residential) | 2.68% |
| Commercial and industrial | 18.09% |
| Consumer | 5.34% |
| Credit cards | 0.00% |
| Farm | 16.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.41% |
| Construction concentration (Tier 1 capital + allowance) | 13.84% |
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 | 6.55% |
| Interest income on loans | $1.5M |
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 | $72.5M | $123.7M | 13.60% | 23.43% | 7.10% |
| Q4 2023 | $73.9M | $118.5M | 13.08% | 23.16% | 6.72% |
| Q1 2024 | $74.1M | $118.4M | 12.52% | 23.76% | 6.50% |
| Q2 2024 | $80.9M | $119.3M | 14.15% | 22.78% | 6.17% |
| Q3 2024 | $82.1M | $120.3M | 13.69% | 22.61% | 6.14% |
| Q4 2024 | $85.9M | $119.0M | 12.85% | 21.43% | 5.54% |
| Q1 2025 | $84.7M | $126.9M | 12.87% | 20.58% | 5.55% |
| Q2 2025 | $85.3M | $133.9M | 12.42% | 20.71% | 5.90% |
| Q3 2025 | $86.0M | $137.9M | 12.18% | 19.18% | 5.45% |
| Q4 2025 | $88.0M | $134.0M | 11.38% | 18.04% | 6.24% |
| Q1 2026 | $86.2M | $132.8M | 11.45% | 18.62% | 5.38% |
| Q2 2026 | $90.3M | $127.7M | 11.21% | 18.09% | 5.34% |
Valley Premier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Premier 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 Valley Premier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11409) · FFIEC NIC profile (RSSD 1008955)