MCNB Bank and Trust Co.: 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): 9.48 percentage points lower than in Q1 2026, at 299.66%. Within West Virginia, MCNB Bank and Trust Co. is 14th of 41 on loan-to-deposit ratio, 86.99% as of Q2 2026, above the middle of the field. MCNB Bank and Trust Co. reported 86.99% on loan-to-deposit ratio for Q2 2026, 6.15 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $254.2M |
| Net loans and leases | $251.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.31% |
| Loan-to-deposit ratio | 86.99% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.07% |
| Multifamily (5+ residential) | 9.69% |
| Commercial and industrial | 2.23% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 1.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 299.66% |
| Construction concentration (Tier 1 capital + allowance) | 10.26% |
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 | 5.93% |
| Interest income on loans | $3.8M |
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 | $271.4M | $293.9M | 42.06% | 2.08% | 0.70% |
| Q4 2023 | $270.5M | $294.2M | 42.73% | 2.01% | 0.74% |
| Q1 2024 | $270.2M | $303.7M | 45.51% | 2.06% | 0.71% |
| Q2 2024 | $268.5M | $301.4M | 46.25% | 1.99% | 0.72% |
| Q3 2024 | $264.5M | $297.9M | 47.68% | 1.94% | 0.86% |
| Q4 2024 | $262.8M | $300.6M | 47.09% | 2.09% | 0.71% |
| Q1 2025 | $258.5M | $304.6M | 46.83% | 3.09% | 0.74% |
| Q2 2025 | $259.6M | $303.9M | 48.60% | 2.02% | 0.70% |
| Q3 2025 | $259.5M | $296.1M | 49.11% | 2.06% | 0.75% |
| Q4 2025 | $252.7M | $295.2M | 49.83% | 2.02% | 0.74% |
| Q1 2026 | $257.9M | $301.5M | 51.31% | 2.38% | 0.74% |
| Q2 2026 | $254.2M | $292.2M | 51.07% | 2.23% | 0.71% |
MCNB Bank and Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MCNB Bank and Trust Co., 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 MCNB Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6803) · FFIEC NIC profile (RSSD 20633)