Minster 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.
Loans held for sale climbed 133.7% in Q2 2026, from $1.1M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Minster Bank is 131st of 156 on loan-to-deposit ratio, 64.30% as of Q2 2026, below the middle of the field. Minster Bank reported 64.30% on loan-to-deposit ratio for Q2 2026, 16.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $462.5M |
| Net loans and leases | $457.0M |
| Loans held for sale | $2.7M |
| Loans to total assets | 56.99% |
| Loan-to-deposit ratio | 64.30% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.39% |
| Multifamily (5+ residential) | 9.23% |
| Commercial and industrial | 7.95% |
| Consumer | 0.87% |
| Credit cards | 0.00% |
| Farm | 7.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 169.91% |
| Construction concentration (Tier 1 capital + allowance) | 22.56% |
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 | 6.47% |
| Interest income on loans | $7.4M |
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 | $337.1M | $643.5M | 37.59% | 14.19% | 1.76% |
| Q4 2023 | $347.3M | $651.0M | 37.14% | 14.78% | 1.63% |
| Q1 2024 | $347.7M | $647.8M | 37.12% | 13.87% | 1.69% |
| Q2 2024 | $357.4M | $658.9M | 36.84% | 13.44% | 1.62% |
| Q3 2024 | $366.8M | $657.4M | 34.55% | 13.56% | 1.61% |
| Q4 2024 | $378.0M | $678.7M | 35.11% | 14.12% | 1.53% |
| Q1 2025 | $391.0M | $696.2M | 38.68% | 12.09% | 1.49% |
| Q2 2025 | $403.9M | $683.4M | 37.00% | 10.27% | 1.40% |
| Q3 2025 | $407.5M | $715.6M | 37.97% | 9.50% | 1.33% |
| Q4 2025 | $441.5M | $706.9M | 39.41% | 8.84% | 1.24% |
| Q1 2026 | $452.7M | $723.0M | 39.85% | 7.98% | 0.98% |
| Q2 2026 | $462.5M | $719.4M | 38.39% | 7.95% | 0.87% |
Minster Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Minster 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 Minster Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 763) · FFIEC NIC profile (RSSD 604024)