Mechanics Cooperative 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 2.77 percentage points in Q2 2026, from 106.98% to 109.75%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Mechanics Cooperative Bank ranks 7th highest among the 89 banks headquartered in Massachusetts, at 109.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mechanics Cooperative Bank sits 28.92 points higher, at 109.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $745.9M |
| Net loans and leases | $739.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.99% |
| Loan-to-deposit ratio | 109.75% |
| Net loans to equity capital | 6.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.23% |
| Multifamily (5+ residential) | 10.57% |
| Commercial and industrial | 5.58% |
| Consumer | 1.18% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 316.53% |
| Construction concentration (Tier 1 capital + allowance) | 98.19% |
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 | 6.66% |
| Interest income on loans | $12.2M |
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 | $568.4M | $547.3M | 32.61% | 6.78% | 2.15% |
| Q4 2023 | $597.2M | $546.1M | 31.40% | 7.42% | 1.91% |
| Q1 2024 | $618.3M | $582.4M | 31.47% | 6.71% | 1.70% |
| Q2 2024 | $647.0M | $598.3M | 30.75% | 7.00% | 1.96% |
| Q3 2024 | $677.3M | $627.0M | 30.63% | 6.73% | 1.75% |
| Q4 2024 | $710.0M | $652.7M | 30.51% | 7.06% | 1.53% |
| Q1 2025 | $700.8M | $667.1M | 31.06% | 6.40% | 1.39% |
| Q2 2025 | $697.1M | $657.2M | 32.07% | 6.72% | 1.28% |
| Q3 2025 | $718.6M | $662.4M | 33.87% | 6.35% | 1.67% |
| Q4 2025 | $729.3M | $701.1M | 33.53% | 7.09% | 1.51% |
| Q1 2026 | $728.7M | $681.2M | 32.55% | 6.22% | 1.37% |
| Q2 2026 | $745.9M | $679.6M | 34.23% | 5.58% | 1.18% |
Mechanics Cooperative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics Cooperative 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 Mechanics Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26634) · FFIEC NIC profile (RSSD 183770)