McClave State 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.
Loan-to-deposit ratio climbed 3.96 percentage points in Q3 2026, from 105.21% to 109.17%. It was the largest change from Q2 2026 among the key lines here. Among 63 Colorado banks, McClave State Bank sits 4th from the top on loan-to-deposit ratio, 109.17% as of Q3 2026. McClave State Bank's loan-to-deposit ratio of 109.17% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 41.24 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $72.3M |
| Net loans and leases | $71.5M |
| Loans held for sale | $0 |
| Loans to total assets | 86.75% |
| Loan-to-deposit ratio | 109.17% |
| Net loans to equity capital | 6.38% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.52% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 9.31% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 29.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.05% |
| Construction concentration (Tier 1 capital + allowance) | 3.79% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.79% |
| Interest income on loans | $1.4M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $57.4M | $54.2M | 6.91% | 12.94% | 1.13% |
| Q1 2024 | $56.2M | $56.4M | 7.54% | 13.72% | 1.19% |
| Q2 2024 | $63.6M | $59.1M | 8.03% | 12.61% | 0.98% |
| Q3 2024 | $66.2M | $62.4M | 8.60% | 10.99% | 1.23% |
| Q4 2024 | $67.5M | $65.0M | 10.01% | 10.97% | 1.31% |
| Q1 2025 | $64.9M | $64.5M | 10.50% | 10.83% | 1.10% |
| Q2 2025 | $69.6M | $65.6M | 9.63% | 10.42% | 1.06% |
| Q3 2025 | $72.0M | $67.2M | 9.76% | 10.10% | 1.22% |
| Q4 2025 | $71.6M | $71.6M | 10.79% | 10.10% | 1.48% |
| Q1 2026 | $65.7M | $66.1M | 12.24% | 8.79% | 1.39% |
| Q2 2026 | $68.9M | $65.5M | 10.99% | 9.17% | 1.33% |
| Q3 2026 | $72.3M | $66.2M | 10.52% | 9.31% | 1.58% |
McClave State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock McClave State 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 McClave State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11261) · FFIEC NIC profile (RSSD 399357)