Manhattan 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 Construction concentration (Tier 1 capital + allowance): 20.03 percentage points lower than in Q1 2026, at 51.65%. Manhattan Bank ranks 24th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 64.35% (Q2 2026). Manhattan Bank reported 64.35% on loan-to-deposit ratio for Q2 2026, 16.20 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.6M |
| Net loans and leases | $159.2M |
| Loans held for sale | $0 |
| Loans to total assets | 56.66% |
| Loan-to-deposit ratio | 64.35% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.53% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 5.32% |
| Consumer | 2.95% |
| Credit cards | 0.00% |
| Farm | 10.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.65% |
| Construction concentration (Tier 1 capital + allowance) | 51.65% |
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 | 6.85% |
| Interest income on loans | $2.9M |
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 | $162.0M | $233.7M | 16.53% | 4.68% | 3.10% |
| Q4 2023 | $169.3M | $221.9M | 17.05% | 4.87% | 2.89% |
| Q1 2024 | $168.5M | $225.0M | 17.49% | 4.78% | 3.03% |
| Q2 2024 | $166.5M | $227.3M | 18.41% | 5.83% | 3.24% |
| Q3 2024 | $169.2M | $222.3M | 17.79% | 5.36% | 2.94% |
| Q4 2024 | $167.6M | $228.7M | 17.72% | 5.74% | 2.83% |
| Q1 2025 | $165.1M | $243.3M | 17.55% | 5.90% | 2.80% |
| Q2 2025 | $161.7M | $231.8M | 17.28% | 5.27% | 2.93% |
| Q3 2025 | $164.6M | $234.1M | 18.73% | 5.10% | 3.52% |
| Q4 2025 | $167.7M | $239.6M | 19.51% | 5.22% | 3.32% |
| Q1 2026 | $168.2M | $246.0M | 18.31% | 5.17% | 2.64% |
| Q2 2026 | $162.6M | $252.7M | 21.53% | 5.32% | 2.95% |
Manhattan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Manhattan 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 Manhattan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11823) · FFIEC NIC profile (RSSD 614751)