Mechanics & Farmers 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 2.72 percentage points in Q2 2026, from 66.01% to 68.73%. It was the largest change from Q1 2026 among the key lines here. Mechanics & Farmers Bank ranks 33rd of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 68.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mechanics & Farmers Bank sits 12.11 points lower, at 68.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $276.4M |
| Net loans and leases | $272.5M |
| Loans held for sale | $0 |
| Loans to total assets | 58.07% |
| Loan-to-deposit ratio | 68.73% |
| Net loans to equity capital | 4.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.51% |
| Multifamily (5+ residential) | 10.61% |
| Commercial and industrial | 18.26% |
| Consumer | 2.92% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.73% |
| Construction concentration (Tier 1 capital + allowance) | 9.53% |
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 | 6.15% |
| Interest income on loans | $4.2M |
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 | $256.3M | $358.3M | 50.13% | 20.15% | 0.54% |
| Q4 2023 | $269.1M | $363.0M | 49.99% | 20.12% | 0.56% |
| Q1 2024 | $271.6M | $361.4M | 48.79% | 19.48% | 0.48% |
| Q2 2024 | $276.4M | $384.1M | 47.78% | 20.21% | 0.45% |
| Q3 2024 | $283.2M | $411.4M | 46.75% | 18.63% | 3.18% |
| Q4 2024 | $284.0M | $430.1M | 46.00% | 18.74% | 2.97% |
| Q1 2025 | $286.6M | $427.8M | 46.73% | 17.76% | 2.87% |
| Q2 2025 | $283.1M | $421.2M | 46.70% | 18.52% | 2.74% |
| Q3 2025 | $274.9M | $417.9M | 47.98% | 17.27% | 2.50% |
| Q4 2025 | $279.1M | $405.5M | 47.29% | 18.05% | 3.32% |
| Q1 2026 | $273.4M | $414.2M | 48.18% | 16.94% | 3.10% |
| Q2 2026 | $276.4M | $402.2M | 48.51% | 18.26% | 2.92% |
Mechanics & Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics & Farmers 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 & Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12266) · FFIEC NIC profile (RSSD 332224)