Menard 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.
The standout move of Q2 2026 was in Consumer: 4.00 percentage points higher than in Q1 2026, at 9.23%. On loan-to-deposit ratio, Menard Bank is 9th from the bottom among 346 Texas banks, 17.56% (Q2 2026). Menard Bank's loan-to-deposit ratio of 17.56% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 49.76 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.4M |
| Net loans and leases | $14.2M |
| Loans held for sale | $0 |
| Loans to total assets | 15.92% |
| Loan-to-deposit ratio | 17.56% |
| Net loans to equity capital | 1.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.62% |
| Consumer | 9.23% |
| Credit cards | 0.00% |
| Farm | 16.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.65% |
| Construction concentration (Tier 1 capital + allowance) | 11.81% |
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 | 7.14% |
| Interest income on loans | $226K |
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 | $8.2M | $73.3M | 15.73% | 8.15% | 11.03% |
| Q4 2023 | $8.9M | $72.6M | 14.28% | 8.16% | 8.51% |
| Q1 2024 | $9.2M | $80.6M | 13.53% | 4.04% | 8.04% |
| Q2 2024 | $10.6M | $75.3M | 11.59% | 4.80% | 7.11% |
| Q3 2024 | $12.6M | $79.9M | 23.46% | 4.89% | 4.95% |
| Q4 2024 | $10.6M | $79.9M | 26.68% | 8.37% | 5.94% |
| Q1 2025 | $12.3M | $76.5M | 22.42% | 6.87% | 6.97% |
| Q2 2025 | $12.8M | $77.9M | 20.25% | 6.59% | 6.74% |
| Q3 2025 | $12.9M | $78.8M | 19.18% | 6.52% | 6.24% |
| Q4 2025 | $12.4M | $79.0M | 18.93% | 7.16% | 6.58% |
| Q1 2026 | $12.7M | $81.3M | 23.58% | 3.61% | 5.23% |
| Q2 2026 | $14.4M | $82.2M | 20.14% | 3.62% | 9.23% |
Menard Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Menard 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 Menard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3336) · FFIEC NIC profile (RSSD 375650)