Main Street 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.
Loan-to-deposit ratio dropped 5.23 percentage points in Q2 2026, from 95.29% to 90.06%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Main Street Bank is 60th of 89 on loan-to-deposit ratio, 90.06% as of Q2 2026, below the middle of the field. At 90.06%, Main Street Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.25B |
| Net loans and leases | $1.24B |
| Loans held for sale | $0 |
| Loans to total assets | 75.35% |
| Loan-to-deposit ratio | 90.06% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.39% |
| Multifamily (5+ residential) | 4.18% |
| Commercial and industrial | 7.35% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.07% |
| Construction concentration (Tier 1 capital + allowance) | 33.70% |
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 | $17.2M |
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 | $1.36B | $1.38B | 22.05% | 3.15% | 1.16% |
| Q4 2023 | $1.41B | $1.43B | 23.54% | 3.72% | 1.08% |
| Q1 2024 | $1.35B | $1.38B | 24.37% | 3.82% | 1.10% |
| Q2 2024 | $1.35B | $1.36B | 24.53% | 4.82% | 1.02% |
| Q3 2024 | $1.35B | $1.29B | 24.43% | 4.67% | 1.01% |
| Q4 2024 | $1.35B | $1.31B | 25.25% | 4.48% | 0.90% |
| Q1 2025 | $1.34B | $1.37B | 25.92% | 4.29% | 0.85% |
| Q2 2025 | $1.32B | $1.43B | 26.35% | 4.68% | 0.80% |
| Q3 2025 | $1.32B | $1.34B | 26.58% | 5.40% | 0.73% |
| Q4 2025 | $1.30B | $1.32B | 25.97% | 7.27% | 0.65% |
| Q1 2026 | $1.28B | $1.34B | 25.86% | 8.04% | 0.60% |
| Q2 2026 | $1.25B | $1.39B | 26.39% | 7.35% | 0.55% |
Main Street Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street 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 Street Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90235) · FFIEC NIC profile (RSSD 818401)