Manasquan 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): 10.84 percentage points higher than in Q1 2026, at 341.89%. Within New Jersey, Manasquan Bank is 22nd of 49 on loan-to-deposit ratio, 96.07% as of Q2 2026, above the middle of the field. Manasquan Bank reported 96.07% on loan-to-deposit ratio for Q2 2026, 7.87 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.99B |
| Net loans and leases | $2.97B |
| Loans held for sale | $545K |
| Loans to total assets | 83.49% |
| Loan-to-deposit ratio | 96.07% |
| Net loans to equity capital | 8.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.55% |
| Multifamily (5+ residential) | 7.60% |
| Commercial and industrial | 8.45% |
| Consumer | 0.18% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 341.89% |
| Construction concentration (Tier 1 capital + allowance) | 66.80% |
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 | 5.60% |
| Interest income on loans | $41.2M |
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 | $2.33B | $2.54B | 36.22% | 7.42% | 0.09% |
| Q4 2023 | $2.40B | $2.56B | 35.94% | 7.84% | 0.10% |
| Q1 2024 | $2.45B | $2.61B | 36.82% | 7.50% | 0.09% |
| Q2 2024 | $2.54B | $2.61B | 36.67% | 7.99% | 0.08% |
| Q3 2024 | $2.61B | $2.63B | 37.77% | 7.43% | 0.09% |
| Q4 2024 | $2.70B | $2.67B | 36.77% | 8.02% | 0.12% |
| Q1 2025 | $2.75B | $2.75B | 37.61% | 8.32% | 0.13% |
| Q2 2025 | $2.80B | $2.83B | 38.15% | 8.95% | 0.13% |
| Q3 2025 | $2.80B | $2.94B | 39.03% | 8.72% | 0.14% |
| Q4 2025 | $2.85B | $2.97B | 39.16% | 9.12% | 0.16% |
| Q1 2026 | $2.89B | $2.99B | 39.55% | 8.36% | 0.14% |
| Q2 2026 | $2.99B | $3.12B | 40.55% | 8.45% | 0.18% |
Manasquan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Manasquan 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 Manasquan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30470) · FFIEC NIC profile (RSSD 459671)