Maynard Savings 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.
Farm climbed 0.85 percentage points in Q2 2026, from 26.95% to 27.79%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Maynard Savings Bank is 200th of 225 on loan-to-deposit ratio, 54.82% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Maynard Savings Bank sits 26.02 points lower, at 54.82% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $48.3M |
| Net loans and leases | $47.4M |
| Loans held for sale | $0 |
| Loans to total assets | 44.60% |
| Loan-to-deposit ratio | 54.82% |
| Net loans to equity capital | 3.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.99% |
| Consumer | 5.15% |
| Credit cards | 0.06% |
| Farm | 27.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.08% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $806K |
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 | $37.4M | $58.5M | 7.89% | 9.42% | 5.33% |
| Q4 2023 | $45.2M | $94.0M | 7.45% | 9.22% | 4.82% |
| Q1 2024 | $46.3M | $90.2M | 7.57% | 10.13% | 4.98% |
| Q2 2024 | $48.0M | $89.3M | 7.89% | 10.83% | 5.43% |
| Q3 2024 | $48.6M | $91.1M | 7.83% | 11.02% | 5.36% |
| Q4 2024 | $49.8M | $89.2M | 7.51% | 11.28% | 5.03% |
| Q1 2025 | $50.3M | $87.4M | 7.31% | 10.68% | 4.85% |
| Q2 2025 | $49.3M | $89.7M | 7.76% | 11.25% | 4.99% |
| Q3 2025 | $50.0M | $90.2M | 7.49% | 10.72% | 4.99% |
| Q4 2025 | $49.4M | $90.6M | 7.63% | 11.20% | 4.76% |
| Q1 2026 | $49.7M | $92.0M | 7.94% | 11.56% | 4.79% |
| Q2 2026 | $48.3M | $88.2M | 7.72% | 11.99% | 5.15% |
Maynard Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Maynard Savings 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 Maynard Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13736) · FFIEC NIC profile (RSSD 1009840)