Visionbank: 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): 24.27 percentage points higher than in Q1 2026, at 329.75%. Among 221 Minnesota banks, Visionbank sits 3rd from the top on loan-to-deposit ratio, 122.41% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Visionbank reported 122.41% on loan-to-deposit ratio in Q2 2026, 41.85 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.7M |
| Net loans and leases | $222.9M |
| Loans held for sale | $0 |
| Loans to total assets | 88.52% |
| Loan-to-deposit ratio | 122.41% |
| Net loans to equity capital | 8.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.55% |
| Multifamily (5+ residential) | 7.66% |
| Commercial and industrial | 7.54% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 1.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 329.75% |
| Construction concentration (Tier 1 capital + allowance) | 60.38% |
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 | 7.21% |
| Interest income on loans | $4.0M |
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 | $197.0M | $162.8M | 44.33% | 11.85% | 0.13% |
| Q4 2023 | $215.1M | $179.6M | 46.06% | 13.01% | 0.11% |
| Q1 2024 | $220.3M | $173.4M | 47.19% | 12.52% | 0.11% |
| Q2 2024 | $226.7M | $189.8M | 48.78% | 12.03% | 0.08% |
| Q3 2024 | $229.5M | $195.4M | 48.65% | 12.03% | 0.06% |
| Q4 2024 | $238.1M | $196.0M | 49.26% | 11.80% | 0.05% |
| Q1 2025 | $240.1M | $200.9M | 51.11% | 9.75% | 0.05% |
| Q2 2025 | $233.5M | $193.2M | 50.93% | 9.91% | 0.05% |
| Q3 2025 | $217.8M | $195.5M | 51.82% | 7.34% | 0.04% |
| Q4 2025 | $227.4M | $189.7M | 51.56% | 7.36% | 0.07% |
| Q1 2026 | $224.4M | $185.8M | 53.61% | 7.03% | 0.04% |
| Q2 2026 | $224.7M | $183.6M | 54.55% | 7.54% | 0.04% |
Visionbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Visionbank, 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 Visionbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58063) · FFIEC NIC profile (RSSD 3357077)