MainStreet Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
MainStreet Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $1.95B in Q3 2026, up 8.0% from $1.81B in Q3 2025. That is 87.4% of its total assets. Across the 12 quarters shown it ranged from $1.72B (Q4 2023) to $1.95B (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 5.39 percentage points lower than in Q2 2026, at 374.63%. Within Virginia, MainStreet Bank is 6th of 56 on loan-to-deposit ratio, 101.24% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. MainStreet Bank sits 13.11 points higher, at 101.24% (Q3 2026).
Loan totals
Largest change in this table: loan-to-deposit ratio, up 0.75 points to 101.24% in Q3 2026 after 100.49% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $1.95B |
| Net loans and leases | $1.93B |
| Loans held for sale | $0 |
| Loans to total assets | 87.45% |
| Loan-to-deposit ratio | 101.24% |
| Net loans to equity capital | 6.93× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial and industrial moved most in this table, down 0.43 points: 3.43% in Q2 2026, 3.00% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.95% |
| Multifamily (5+ residential) | 12.38% |
| Commercial and industrial | 3.00% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 374.63% |
| Construction concentration (Tier 1 capital + allowance) | 102.07% |
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
Yield on loans moved most in this table, up 0.14 points: 6.40% in Q2 2026, 6.54% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $31.8M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $1.72B | $1.69B | 43.07% | 4.33% | 0.21% |
| Q1 2024 | $1.74B | $1.74B | 46.51% | 4.11% | 0.17% |
| Q2 2024 | $1.80B | $1.76B | 46.92% | 5.19% | 0.12% |
| Q3 2024 | $1.79B | $1.89B | 47.99% | 5.05% | 0.11% |
| Q4 2024 | $1.83B | $1.91B | 48.95% | 4.53% | 0.09% |
| Q1 2025 | $1.83B | $1.91B | 50.84% | 4.69% | 0.07% |
| Q2 2025 | $1.79B | $1.80B | 50.88% | 3.78% | 0.06% |
| Q3 2025 | $1.81B | $1.82B | 54.16% | 3.85% | 0.07% |
| Q4 2025 | $1.86B | $1.90B | 54.31% | 3.78% | 0.06% |
| Q1 2026 | $1.87B | $1.92B | 54.57% | 3.73% | 0.07% |
| Q2 2026 | $1.95B | $1.94B | 54.87% | 3.43% | 0.07% |
| Q3 2026 | $1.95B | $1.93B | 54.95% | 3.00% | 0.04% |
MainStreet Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full MainStreet Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 57742) · FFIEC NIC profile (RSSD 3248849)