Maine Community 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 CRE concentration (Tier 1 capital + allowance): 7.95 percentage points higher than in Q1 2026, at 367.17%. Within Maine, Maine Community Bank is 8th of 22 on loan-to-deposit ratio, 107.55% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Maine Community Bank sits 19.35 points higher, at 107.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.47B |
| Net loans and leases | $2.46B |
| Loans held for sale | $0 |
| Loans to total assets | 82.86% |
| Loan-to-deposit ratio | 107.55% |
| Net loans to equity capital | 8.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.14% |
| Multifamily (5+ residential) | 12.32% |
| Commercial and industrial | 9.00% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 367.17% |
| Construction concentration (Tier 1 capital + allowance) | 27.35% |
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 | $36.7M |
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 | $905.8M | $803.9M | 34.55% | 5.81% | 0.47% |
| Q4 2023 | $917.1M | $813.3M | 34.48% | 5.93% | 0.47% |
| Q1 2024 | $927.4M | $821.2M | 34.90% | 6.07% | 0.45% |
| Q2 2024 | $968.3M | $863.6M | 36.41% | 5.70% | 0.45% |
| Q3 2024 | $984.8M | $905.6M | 36.49% | 5.06% | 0.40% |
| Q4 2024 | $993.0M | $895.7M | 36.69% | 5.09% | 0.38% |
| Q1 2025 | $2.22B | $2.27B | 39.91% | 10.18% | 0.28% |
| Q2 2025 | $2.28B | $2.25B | 41.76% | 9.23% | 0.30% |
| Q3 2025 | $2.31B | $2.32B | 39.57% | 9.13% | 0.26% |
| Q4 2025 | $2.38B | $2.29B | 40.40% | 8.72% | 0.25% |
| Q1 2026 | $2.40B | $2.27B | 39.94% | 9.08% | 0.22% |
| Q2 2026 | $2.47B | $2.30B | 41.14% | 9.00% | 0.20% |
Maine Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Maine Community 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 Maine Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17741) · FFIEC NIC profile (RSSD 499501)