Monroe Savings 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 largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which rose 0.63 percentage points to 99.86%. Monroe Savings Bank ranks 18th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 99.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Monroe Savings Bank sits 19.02 points higher, at 99.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.1M |
| Net loans and leases | $86.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.43% |
| Loan-to-deposit ratio | 99.86% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.81% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 1.04% |
| Consumer | 27.74% |
| 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) | 1.75% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | — |
| Interest income on loans | $1.2M |
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 | $95.3M | $80.2M | 7.76% | 0.74% | 27.22% |
| Q4 2023 | $95.7M | $78.9M | 7.61% | 0.64% | 28.15% |
| Q1 2024 | $93.2M | $81.0M | 7.58% | 0.56% | 27.49% |
| Q2 2024 | $93.0M | $84.7M | 7.50% | 0.63% | 27.82% |
| Q3 2024 | $91.7M | $83.7M | 7.40% | 0.59% | 28.56% |
| Q4 2024 | $91.8M | $82.7M | 7.26% | 0.55% | 29.06% |
| Q1 2025 | $92.2M | $85.3M | 6.92% | 0.50% | 28.06% |
| Q2 2025 | $90.9M | $84.6M | 6.36% | 1.05% | 27.98% |
| Q3 2025 | $90.6M | $85.5M | 5.82% | 1.11% | 27.62% |
| Q4 2025 | $87.9M | $88.1M | 5.86% | 1.06% | 27.95% |
| Q1 2026 | $86.1M | $86.7M | 5.88% | 1.00% | 27.95% |
| Q2 2026 | $87.1M | $87.2M | 5.81% | 1.04% | 27.74% |
Monroe Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Savings 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 Monroe Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30103) · FFIEC NIC profile (RSSD 927077)