The Mint National Bank: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Non-performing loans to total loans dropped 0.56 percentage points in Q2 2026, from 3.34% to 2.78%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $0 |
| Modified loans to total loans | 0.00% |
| Non-performing assets excluding restructured loans, to assets | 4.42% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 2.78% |
| Nonaccrual loans to loans | 2.78% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | -0.02% |
| Allowance for credit losses to loans | 2.57% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.00% | 0.57% | 0.70% |
| Q4 2023 | 0.00% | 0.52% | 1.66% |
| Q1 2024 | 0.00% | 2.23% | 0.00% |
| Q2 2024 | 0.00% | 4.65% | 0.37% |
| Q3 2024 | 0.00% | 4.81% | 0.09% |
| Q4 2024 | 0.00% | 4.27% | 0.61% |
| Q1 2025 | 0.00% | 1.95% | 1.70% |
| Q2 2025 | 0.00% | 2.00% | 0.00% |
| Q3 2025 | 0.00% | 1.89% | 0.03% |
| Q4 2025 | 0.00% | 3.58% | 0.00% |
| Q1 2026 | 0.00% | 3.34% | 0.00% |
| Q2 2026 | 0.00% | 2.78% | -0.02% |
The Mint National Bank loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mint National Bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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.
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