Vergas State 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): 5.04 percentage points higher than in Q1 2026, at 122.03%. Vergas State Bank ranks 165th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 68.17% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Vergas State Bank reported 68.17% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $35.1M |
| Net loans and leases | $34.7M |
| Loans held for sale | $0 |
| Loans to total assets | 57.86% |
| Loan-to-deposit ratio | 68.17% |
| Net loans to equity capital | 3.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.92% |
| Multifamily (5+ residential) | 1.30% |
| Commercial and industrial | 15.59% |
| Consumer | 6.82% |
| Credit cards | 0.00% |
| Farm | 4.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.88% |
| Construction concentration (Tier 1 capital + allowance) | 122.03% |
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 | 7.35% |
| Interest income on loans | $639K |
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 | $19.2M | $45.5M | 13.86% | 14.70% | 7.83% |
| Q4 2023 | $20.0M | $46.5M | 13.49% | 14.86% | 7.26% |
| Q1 2024 | $21.4M | $46.7M | 15.16% | 14.40% | 8.93% |
| Q2 2024 | $23.8M | $47.2M | 15.35% | 13.90% | 8.64% |
| Q3 2024 | $25.9M | $47.0M | 13.98% | 12.99% | 9.17% |
| Q4 2024 | $26.6M | $47.1M | 13.01% | 12.07% | 8.09% |
| Q1 2025 | $28.2M | $45.8M | 12.18% | 12.65% | 9.80% |
| Q2 2025 | $29.7M | $47.3M | 10.52% | 12.28% | 8.77% |
| Q3 2025 | $31.8M | $50.3M | 9.81% | 13.14% | 8.00% |
| Q4 2025 | $34.6M | $49.9M | 8.30% | 13.57% | 7.75% |
| Q1 2026 | $34.4M | $50.1M | 8.36% | 14.65% | 7.65% |
| Q2 2026 | $35.1M | $51.5M | 7.92% | 15.59% | 6.82% |
Vergas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vergas State 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 Vergas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9747) · FFIEC NIC profile (RSSD 804150)