Village 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 CRE concentration (Tier 1 capital + allowance): 7.27 percentage points lower than in Q1 2026, at 205.16%. Within Minnesota, Village Bank is 112th of 221 on loan-to-deposit ratio, 80.76% as of Q2 2026, below the middle of the field. At 80.76%, Village Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.7M |
| Net loans and leases | $292.3M |
| Loans held for sale | $0 |
| Loans to total assets | 71.80% |
| Loan-to-deposit ratio | 80.76% |
| Net loans to equity capital | 10.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.82% |
| Multifamily (5+ residential) | 6.67% |
| Commercial and industrial | 20.30% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.16% |
| Construction concentration (Tier 1 capital + allowance) | 59.13% |
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 | 6.17% |
| Interest income on loans | $4.5M |
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 | $256.8M | $381.1M | 45.31% | 20.20% | 0.27% |
| Q4 2023 | $265.6M | $386.4M | 45.70% | 20.05% | 0.25% |
| Q1 2024 | $269.3M | $373.4M | 44.06% | 20.21% | 0.21% |
| Q2 2024 | $278.0M | $372.3M | 43.18% | 20.93% | 0.19% |
| Q3 2024 | $275.4M | $382.0M | 43.68% | 20.42% | 0.19% |
| Q4 2024 | $280.8M | $377.3M | 43.84% | 20.82% | 0.23% |
| Q1 2025 | $283.7M | $365.5M | 45.48% | 20.72% | 0.15% |
| Q2 2025 | $281.2M | $364.4M | 46.15% | 19.72% | 0.13% |
| Q3 2025 | $282.7M | $362.4M | 46.73% | 19.39% | 0.11% |
| Q4 2025 | $293.0M | $361.1M | 46.62% | 20.52% | 0.11% |
| Q1 2026 | $290.3M | $346.8M | 47.65% | 18.58% | 0.11% |
| Q2 2026 | $295.7M | $366.2M | 45.82% | 20.30% | 0.10% |
Village Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Village 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 Village Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33761) · FFIEC NIC profile (RSSD 2010722)