Main 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.
Cre concentration (tier 1 capital + allowance) climbed 22.15 percentage points in Q2 2026, from 269.16% to 291.30%. It was the largest change from Q1 2026 among the key lines here. Main Bank has the highest loan-to-deposit ratio of the 29 banks headquartered in New Mexico, 92.30% as of Q2 2026. Main Bank reported 92.30% on loan-to-deposit ratio for Q2 2026, 11.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $195.2M |
| Net loans and leases | $192.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.59% |
| Loan-to-deposit ratio | 92.30% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 77.19% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 9.81% |
| Consumer | 0.03% |
| 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) | 291.30% |
| Construction concentration (Tier 1 capital + allowance) | 22.41% |
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 | $3.3M |
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 | $193.7M | $196.7M | 73.26% | 9.70% | 0.00% |
| Q4 2023 | $192.1M | $199.6M | 74.95% | 9.48% | 0.01% |
| Q1 2024 | $192.9M | $209.1M | 75.11% | 9.66% | 0.01% |
| Q2 2024 | $197.3M | $209.9M | 71.83% | 10.67% | 0.01% |
| Q3 2024 | $195.7M | $207.2M | 74.91% | 8.79% | 0.01% |
| Q4 2024 | $198.0M | $205.1M | 73.93% | 10.44% | 0.01% |
| Q1 2025 | $195.2M | $202.2M | 74.81% | 9.63% | 0.01% |
| Q2 2025 | $197.9M | $205.5M | 75.86% | 10.36% | 0.00% |
| Q3 2025 | $199.5M | $240.7M | 76.76% | 9.88% | 0.04% |
| Q4 2025 | $193.3M | $215.4M | 77.65% | 9.56% | 0.04% |
| Q1 2026 | $186.6M | $221.1M | 77.34% | 9.76% | 0.04% |
| Q2 2026 | $195.2M | $211.4M | 77.19% | 9.81% | 0.03% |
Main Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Main 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 Main Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22086) · FFIEC NIC profile (RSSD 430054)