Madison Valley 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 Loan-to-deposit ratio: 4.65 percentage points higher than in Q1 2026, at 53.72%. Within Montana, Madison Valley Bank is 28th of 35 on loan-to-deposit ratio, 53.72% 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. Madison Valley Bank sits 27.12 points lower, at 53.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.1M |
| Net loans and leases | $126.0M |
| Loans held for sale | $0 |
| Loans to total assets | 48.59% |
| Loan-to-deposit ratio | 53.72% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.77% |
| Multifamily (5+ residential) | 1.12% |
| Commercial and industrial | 5.74% |
| Consumer | 2.41% |
| Credit cards | 0.00% |
| Farm | 1.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.12% |
| Construction concentration (Tier 1 capital + allowance) | 61.94% |
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 | 6.85% |
| Interest income on loans | $2.2M |
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 | $135.1M | $241.1M | 32.70% | 6.86% | 3.63% |
| Q4 2023 | $132.7M | $232.4M | 33.43% | 6.29% | 3.55% |
| Q1 2024 | $130.6M | $229.5M | 33.88% | 6.48% | 3.33% |
| Q2 2024 | $132.6M | $226.9M | 35.21% | 6.41% | 3.37% |
| Q3 2024 | $134.5M | $246.3M | 36.08% | 5.92% | 3.12% |
| Q4 2024 | $131.2M | $234.5M | 36.73% | 5.77% | 2.97% |
| Q1 2025 | $129.8M | $235.3M | 36.27% | 6.34% | 2.71% |
| Q2 2025 | $129.4M | $235.6M | 35.92% | 5.71% | 2.77% |
| Q3 2025 | $128.1M | $250.9M | 35.94% | 5.35% | 2.61% |
| Q4 2025 | $129.9M | $237.6M | 35.50% | 5.72% | 2.47% |
| Q1 2026 | $126.8M | $258.4M | 34.91% | 5.57% | 2.53% |
| Q2 2026 | $128.1M | $238.6M | 34.77% | 5.74% | 2.41% |
Madison Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison Valley 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 Madison Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19544) · FFIEC NIC profile (RSSD 596455)