Martha's Vineyard 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 Loan-to-deposit ratio: 1.62 percentage points lower than in Q1 2026, at 105.55%. Martha's Vineyard Bank ranks 15th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 105.55% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Martha's Vineyard Bank sits 17.35 points higher, at 105.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.13B |
| Net loans and leases | $1.12B |
| Loans held for sale | $0 |
| Loans to total assets | 84.89% |
| Loan-to-deposit ratio | 105.55% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.81% |
| Multifamily (5+ residential) | 3.56% |
| Commercial and industrial | 1.57% |
| Consumer | 0.44% |
| Credit cards | 0.00% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.09% |
| Construction concentration (Tier 1 capital + allowance) | 22.84% |
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 | 4.75% |
| Interest income on loans | $13.3M |
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 | $1.17B | $1.07B | 20.21% | 2.52% | 0.66% |
| Q4 2023 | $1.17B | $1.06B | 20.14% | 2.42% | 0.66% |
| Q1 2024 | $1.16B | $1.05B | 20.33% | 2.46% | 0.64% |
| Q2 2024 | $1.16B | $1.02B | 21.15% | 2.45% | 0.56% |
| Q3 2024 | $1.14B | $1.05B | 20.38% | 2.32% | 0.55% |
| Q4 2024 | $1.14B | $1.03B | 19.88% | 2.26% | 0.55% |
| Q1 2025 | $1.13B | $1.03B | 19.96% | 2.23% | 0.51% |
| Q2 2025 | $1.13B | $1.06B | 19.24% | 2.22% | 0.52% |
| Q3 2025 | $1.13B | $1.10B | 19.16% | 2.16% | 0.57% |
| Q4 2025 | $1.12B | $1.04B | 19.27% | 1.86% | 0.44% |
| Q1 2026 | $1.12B | $1.04B | 18.88% | 1.80% | 0.36% |
| Q2 2026 | $1.13B | $1.07B | 18.81% | 1.57% | 0.44% |
Martha's Vineyard Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Martha's Vineyard 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 Martha's Vineyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90190) · FFIEC NIC profile (RSSD 196800)