The Mint National 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): 6.12 percentage points higher than in Q1 2026, at 240.71%. On loan-to-deposit ratio, The Mint National Bank ranks 9th highest among the 346 banks headquartered in Texas, at 103.48% (Q2 2026). The Mint National Bank reported 103.48% on loan-to-deposit ratio for Q2 2026, 22.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.1M |
| Net loans and leases | $309.0M |
| Loans held for sale | $8.0M |
| Loans to total assets | 81.53% |
| Loan-to-deposit ratio | 103.48% |
| Net loans to equity capital | 4.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.01% |
| Multifamily (5+ residential) | 2.22% |
| Commercial and industrial | 11.63% |
| Consumer | 0.05% |
| 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) | 240.71% |
| Construction concentration (Tier 1 capital + allowance) | 69.74% |
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 | 8.03% |
| Interest income on loans | $6.3M |
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 | $324.0M | $353.8M | 61.82% | 12.85% | 0.04% |
| Q4 2023 | $331.9M | $338.3M | 61.60% | 12.87% | 0.04% |
| Q1 2024 | $334.2M | $359.1M | 61.61% | 13.65% | 0.04% |
| Q2 2024 | $335.5M | $353.0M | 60.17% | 14.88% | 0.04% |
| Q3 2024 | $331.9M | $347.0M | 60.51% | 14.12% | 0.17% |
| Q4 2024 | $349.6M | $368.6M | 60.14% | 14.14% | 0.16% |
| Q1 2025 | $338.4M | $350.0M | 58.25% | 14.80% | 0.16% |
| Q2 2025 | $326.6M | $327.0M | 57.06% | 14.66% | 0.07% |
| Q3 2025 | $327.9M | $325.5M | 57.62% | 13.18% | 0.07% |
| Q4 2025 | $324.5M | $319.3M | 61.61% | 11.60% | 0.06% |
| Q1 2026 | $315.4M | $312.0M | 63.52% | 11.29% | 0.06% |
| Q2 2026 | $317.1M | $306.5M | 64.01% | 11.63% | 0.05% |
The Mint National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mint National 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 Mint National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58764) · FFIEC NIC profile (RSSD 3821626)