The Bank of Monroe: 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.
Construction concentration (tier 1 capital + allowance) dropped 1.83 percentage points in Q2 2026, from 20.74% to 18.91%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Bank of Monroe is 31st of 41 on loan-to-deposit ratio, 70.04% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Monroe sits 10.80 points lower, at 70.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.0M |
| Net loans and leases | $155.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.48% |
| Loan-to-deposit ratio | 70.04% |
| Net loans to equity capital | 5.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.68% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.04% |
| Consumer | 2.21% |
| Credit cards | 0.00% |
| Farm | 3.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.46% |
| Construction concentration (Tier 1 capital + allowance) | 18.91% |
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 | — |
| Interest income on loans | $2.5M |
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 | $124.5M | $191.9M | 27.48% | 8.53% | 3.99% |
| Q4 2023 | $126.3M | $198.0M | 27.66% | 7.51% | 3.70% |
| Q1 2024 | $128.3M | $200.1M | 26.92% | 7.82% | 3.55% |
| Q2 2024 | $129.6M | $200.7M | 27.18% | 7.89% | 3.43% |
| Q3 2024 | $135.6M | $211.4M | 26.62% | 8.14% | 3.28% |
| Q4 2024 | $140.5M | $213.0M | 26.96% | 7.69% | 3.27% |
| Q1 2025 | $144.6M | $215.1M | 25.95% | 8.06% | 2.92% |
| Q2 2025 | $146.3M | $215.3M | 25.88% | 7.81% | 2.72% |
| Q3 2025 | $148.7M | $222.9M | 25.70% | 7.89% | 2.55% |
| Q4 2025 | $153.4M | $222.7M | 27.18% | 7.62% | 2.42% |
| Q1 2026 | $156.1M | $221.3M | 26.44% | 7.98% | 2.24% |
| Q2 2026 | $157.0M | $224.2M | 27.68% | 8.04% | 2.21% |
The Bank of Monroe loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Monroe, 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 The Bank of Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6180) · FFIEC NIC profile (RSSD 849432)