Ascent 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): 49.88 percentage points lower than in Q1 2026, at 195.78%. Within Montana, Ascent Bank is 10th of 35 on loan-to-deposit ratio, 89.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Ascent Bank sits 8.72 points higher, at 89.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.5M |
| Net loans and leases | $81.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.28% |
| Loan-to-deposit ratio | 89.28% |
| Net loans to equity capital | 8.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.64% |
| Multifamily (5+ residential) | 7.25% |
| Commercial and industrial | 11.48% |
| Consumer | 1.66% |
| Credit cards | 0.00% |
| Farm | 0.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.78% |
| Construction concentration (Tier 1 capital + allowance) | 40.16% |
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 | 6.92% |
| Interest income on loans | $1.4M |
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 | $64.8M | $79.6M | 33.17% | 11.79% | 4.01% |
| Q4 2023 | $70.3M | $83.7M | 31.74% | 14.70% | 3.42% |
| Q1 2024 | $74.0M | $85.5M | 32.01% | 12.87% | 3.26% |
| Q2 2024 | $75.7M | $85.7M | 30.46% | 12.81% | 2.90% |
| Q3 2024 | $80.2M | $95.8M | 30.34% | 13.97% | 2.61% |
| Q4 2024 | $79.3M | $93.8M | 30.29% | 14.16% | 2.39% |
| Q1 2025 | $80.5M | $92.7M | 29.61% | 15.56% | 2.26% |
| Q2 2025 | $82.1M | $93.9M | 28.36% | 15.64% | 2.14% |
| Q3 2025 | $81.1M | $96.8M | 28.33% | 15.67% | 2.10% |
| Q4 2025 | $80.4M | $97.4M | 30.92% | 16.49% | 2.01% |
| Q1 2026 | $83.0M | $92.5M | 29.62% | 16.63% | 1.79% |
| Q2 2026 | $82.5M | $92.4M | 33.64% | 11.48% | 1.66% |
Ascent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ascent 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 Ascent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20162) · FFIEC NIC profile (RSSD 647955)