MainStreet Community Bank of Florida: 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): 21.45 percentage points higher than in Q1 2026, at 266.17%. Within Florida, MainStreet Community Bank of Florida is 28th of 81 on loan-to-deposit ratio, 84.87% as of Q2 2026, above the middle of the field. MainStreet Community Bank of Florida reported 84.87% on loan-to-deposit ratio for Q2 2026, 4.04 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $732.7M |
| Net loans and leases | $723.8M |
| Loans held for sale | $1.2M |
| Loans to total assets | 76.85% |
| Loan-to-deposit ratio | 84.87% |
| Net loans to equity capital | 8.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.09% |
| Multifamily (5+ residential) | 2.33% |
| Commercial and industrial | 13.49% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 1.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.17% |
| Construction concentration (Tier 1 capital + allowance) | 88.11% |
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 | $11.5M |
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 | $491.7M | $727.3M | 50.78% | 15.52% | 1.02% |
| Q4 2023 | $505.0M | $712.3M | 51.47% | 14.01% | 0.99% |
| Q1 2024 | $524.2M | $710.4M | 51.26% | 15.17% | 0.96% |
| Q2 2024 | $557.2M | $736.8M | 50.53% | 16.12% | 0.79% |
| Q3 2024 | $589.4M | $749.5M | 48.05% | 16.97% | 0.68% |
| Q4 2024 | $598.1M | $751.8M | 47.37% | 17.05% | 0.65% |
| Q1 2025 | $615.3M | $789.6M | 47.88% | 16.34% | 0.54% |
| Q2 2025 | $614.6M | $809.2M | 47.55% | 17.73% | 0.63% |
| Q3 2025 | $615.9M | $847.7M | 47.71% | 16.20% | 0.63% |
| Q4 2025 | $673.0M | $825.5M | 50.15% | 14.93% | 0.54% |
| Q1 2026 | $694.6M | $859.6M | 49.68% | 14.26% | 0.45% |
| Q2 2026 | $732.7M | $863.2M | 51.09% | 13.49% | 0.40% |
MainStreet Community Bank of Florida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MainStreet Community Bank of Florida, 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 MainStreet Community Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57598) · FFIEC NIC profile (RSSD 3217957)