The Millyard 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.
Cre concentration (tier 1 capital + allowance) dropped 14.86 percentage points in Q2 2026, from 308.21% to 293.35%. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, The Millyard Bank is 8th of 16 on loan-to-deposit ratio, 95.43% as of Q2 2026, above the middle of the field. The Millyard Bank reported 95.43% on loan-to-deposit ratio for Q2 2026, 14.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $263.6M |
| Net loans and leases | $261.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.11% |
| Loan-to-deposit ratio | 95.43% |
| Net loans to equity capital | 8.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.60% |
| Multifamily (5+ residential) | 8.63% |
| Commercial and industrial | 15.57% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 293.35% |
| Construction concentration (Tier 1 capital + allowance) | 60.65% |
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 | 6.27% |
| Interest income on loans | $4.1M |
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 | $145.8M | $188.1M | 46.43% | 14.32% | 0.00% |
| Q4 2023 | $152.0M | $197.8M | 46.13% | 15.27% | 0.00% |
| Q1 2024 | $155.5M | $182.5M | 43.68% | 14.99% | 0.06% |
| Q2 2024 | $167.4M | $190.0M | 46.45% | 13.14% | 0.00% |
| Q3 2024 | $169.0M | $192.5M | 48.25% | 13.15% | 0.00% |
| Q4 2024 | $180.8M | $196.9M | 47.33% | 13.35% | 0.00% |
| Q1 2025 | $193.3M | $203.9M | 48.42% | 13.27% | 0.00% |
| Q2 2025 | $209.6M | $229.1M | 47.97% | 13.37% | 0.00% |
| Q3 2025 | $224.6M | $254.9M | 50.47% | 10.55% | 0.00% |
| Q4 2025 | $239.1M | $244.2M | 53.05% | 12.36% | 0.00% |
| Q1 2026 | $253.5M | $260.7M | 52.94% | 12.32% | 0.00% |
| Q2 2026 | $263.6M | $276.2M | 50.60% | 15.57% | 0.00% |
The Millyard Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Millyard 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 The Millyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59176) · FFIEC NIC profile (RSSD 5448915)