Main Street Bank Corp.: 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) dropped 7.83 percentage points in Q2 2026, from 158.84% to 151.01%. It was the largest change from Q1 2026 among the key lines here. Main Street Bank Corp. ranks 40th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 92.72% (Q2 2026). Main Street Bank Corp. reported 92.72% on loan-to-deposit ratio for Q2 2026, 4.52 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.29B |
| Net loans and leases | $1.27B |
| Loans held for sale | $1.0M |
| Loans to total assets | 82.89% |
| Loan-to-deposit ratio | 92.72% |
| Net loans to equity capital | 8.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.21% |
| Multifamily (5+ residential) | 3.14% |
| Commercial and industrial | 9.89% |
| Consumer | 0.89% |
| Credit cards | 0.00% |
| Farm | 11.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.01% |
| Construction concentration (Tier 1 capital + allowance) | 34.67% |
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 | 6.41% |
| Interest income on loans | $20.9M |
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 | $670.2M | $656.6M | 28.07% | 7.63% | 0.38% |
| Q4 2023 | $677.7M | $696.3M | 28.26% | 7.05% | 0.39% |
| Q1 2024 | $684.9M | $714.9M | 28.12% | 7.05% | 0.39% |
| Q2 2024 | $1.12B | $1.08B | 26.80% | 9.30% | 2.15% |
| Q3 2024 | $1.13B | $1.10B | 27.15% | 9.14% | 1.90% |
| Q4 2024 | $1.13B | $1.16B | 26.79% | 9.45% | 1.68% |
| Q1 2025 | $1.14B | $1.19B | 26.48% | 9.95% | 1.61% |
| Q2 2025 | $1.17B | $1.24B | 27.45% | 9.62% | 1.48% |
| Q3 2025 | $1.20B | $1.29B | 28.34% | 9.87% | 1.27% |
| Q4 2025 | $1.22B | $1.34B | 28.56% | 9.38% | 1.11% |
| Q1 2026 | $1.28B | $1.36B | 28.34% | 9.42% | 0.95% |
| Q2 2026 | $1.29B | $1.39B | 27.21% | 9.89% | 0.89% |
Main Street Bank Corp. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank Corp., 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 Corp. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29847) · FFIEC NIC profile (RSSD 985479)