Monroe Federal Savings and Loan Association: 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): 11.30 percentage points higher than in Q1 2026, at 92.95%. Monroe Federal Savings and Loan Association ranks 46th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Monroe Federal Savings and Loan Association sits 9.82 points higher, at 90.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $112.8M |
| Net loans and leases | $112.0M |
| Loans held for sale | $0 |
| Loans to total assets | 78.07% |
| Loan-to-deposit ratio | 90.65% |
| Net loans to equity capital | 10.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.71% |
| Multifamily (5+ residential) | 2.89% |
| Commercial and industrial | 5.47% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.95% |
| Construction concentration (Tier 1 capital + allowance) | 12.43% |
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 | 5.24% |
| Interest income on loans | $1.5M |
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 | $111.2M | $131.4M | 23.19% | 4.60% | 1.79% |
| Q4 2023 | $111.5M | $144.3M | 22.64% | 4.92% | 1.69% |
| Q1 2024 | $108.7M | $142.5M | 21.62% | 4.48% | 1.64% |
| Q2 2024 | $109.8M | $130.2M | 21.11% | 3.59% | 1.56% |
| Q3 2024 | $109.5M | $127.8M | 21.18% | 3.47% | 1.47% |
| Q4 2024 | $108.2M | $132.4M | 22.07% | 3.51% | 1.35% |
| Q1 2025 | $107.8M | $122.6M | 22.24% | 3.41% | 1.19% |
| Q2 2025 | $109.3M | $127.3M | 21.72% | 4.10% | 1.24% |
| Q3 2025 | $110.7M | $124.3M | 21.28% | 4.67% | 1.17% |
| Q4 2025 | $112.2M | $130.9M | 23.53% | 5.44% | 1.06% |
| Q1 2026 | $111.3M | $126.5M | 24.37% | 5.48% | 0.99% |
| Q2 2026 | $112.8M | $124.5M | 24.71% | 5.47% | 1.16% |
Monroe Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Federal Savings and Loan Association, 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 Monroe Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29578) · FFIEC NIC profile (RSSD 576578)