Milestone 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 CRE concentration (Tier 1 capital + allowance): 18.89 percentage points higher than in Q1 2026, at 102.51%. Within Utah, Milestone Bank is 11th of 44 on loan-to-deposit ratio, 104.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Milestone Bank sits 24.18 points higher, at 104.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $296.2M |
| Net loans and leases | $289.1M |
| Loans held for sale | $0 |
| Loans to total assets | 86.56% |
| Loan-to-deposit ratio | 104.73% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.62% |
| Multifamily (5+ residential) | 0.40% |
| Commercial and industrial | 78.15% |
| Consumer | 0.00% |
| 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) | 102.51% |
| Construction concentration (Tier 1 capital + allowance) | 42.08% |
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 | 9.56% |
| Interest income on loans | $6.9M |
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 | $257.3M | $236.9M | 0.00% | 21.89% | 0.00% |
| Q4 2023 | $284.0M | $267.9M | 0.07% | 75.83% | 0.00% |
| Q1 2024 | $334.8M | $310.6M | 2.60% | 84.27% | 0.00% |
| Q2 2024 | $349.4M | $331.7M | 3.51% | 86.56% | 0.00% |
| Q3 2024 | $313.1M | $342.4M | 5.93% | 84.79% | 0.00% |
| Q4 2024 | $332.7M | $303.8M | 4.18% | 89.07% | 0.00% |
| Q1 2025 | $339.1M | $304.8M | 4.25% | 89.49% | 0.00% |
| Q2 2025 | $363.9M | $328.6M | 4.12% | 90.53% | 0.00% |
| Q3 2025 | $357.2M | $319.4M | 3.58% | 90.34% | 0.00% |
| Q4 2025 | $336.6M | $313.6M | 5.07% | 87.34% | 0.00% |
| Q1 2026 | $307.6M | $299.3M | 7.56% | 81.42% | 0.00% |
| Q2 2026 | $296.2M | $282.8M | 5.62% | 78.15% | 0.00% |
Milestone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Milestone 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 Milestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58148) · FFIEC NIC profile (RSSD 3407084)