Western National Bank of Cass Lake: 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): 36.12 percentage points higher than in Q1 2026, at 165.58%. On loan-to-deposit ratio, Western National Bank of Cass Lake is 13th from the bottom among 221 Minnesota banks, 44.03% (Q2 2026). Western National Bank of Cass Lake reported 44.03% on loan-to-deposit ratio for Q2 2026, 23.59 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.5M |
| Net loans and leases | $14.4M |
| Loans held for sale | $0 |
| Loans to total assets | 39.19% |
| Loan-to-deposit ratio | 44.03% |
| Net loans to equity capital | 3.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.95% |
| Multifamily (5+ residential) | 5.71% |
| Commercial and industrial | 3.19% |
| Consumer | 7.87% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.58% |
| Construction concentration (Tier 1 capital + allowance) | 6.00% |
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 | 7.32% |
| Interest income on loans | $255K |
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 | $11.7M | $30.4M | 54.70% | 1.64% | 3.56% |
| Q4 2023 | $11.5M | $38.6M | 53.80% | 1.63% | 3.88% |
| Q1 2024 | $11.9M | $30.4M | 53.38% | 1.41% | 4.27% |
| Q2 2024 | $11.9M | $36.2M | 52.62% | 1.23% | 4.55% |
| Q3 2024 | $12.1M | $33.3M | 53.94% | 1.62% | 5.35% |
| Q4 2024 | $12.1M | $29.9M | 53.22% | 1.55% | 5.14% |
| Q1 2025 | $11.9M | $27.7M | 55.81% | 1.52% | 5.12% |
| Q2 2025 | $11.8M | $29.4M | 53.03% | 1.61% | 5.30% |
| Q3 2025 | $12.3M | $29.8M | 53.38% | 3.05% | 8.63% |
| Q4 2025 | $12.5M | $34.5M | 53.48% | 2.72% | 8.28% |
| Q1 2026 | $12.5M | $33.4M | 55.16% | 3.74% | 8.36% |
| Q2 2026 | $14.5M | $33.0M | 59.95% | 3.19% | 7.87% |
Western National Bank of Cass Lake loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank of Cass Lake, 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 Western National Bank of Cass Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)