Morganton Savings Bank, S.S.B.: 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.
Loan-to-deposit ratio dropped 4.18 percentage points in Q2 2026, from 91.95% to 87.77%. It was the largest change from Q1 2026 among the key lines here. Morganton Savings Bank, S.S.B. ranks 14th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 87.77% (Q2 2026). Morganton Savings Bank, S.S.B. reported 87.77% on loan-to-deposit ratio for Q2 2026, 6.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.2M |
| Net loans and leases | $65.8M |
| Loans held for sale | $0 |
| Loans to total assets | 59.57% |
| Loan-to-deposit ratio | 87.77% |
| Net loans to equity capital | 2.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.54% |
| Multifamily (5+ residential) | 9.44% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| 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) | 49.40% |
| Construction concentration (Tier 1 capital + allowance) | 12.99% |
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 | $855K |
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 | $72.0M | $75.8M | 18.25% | 0.00% | 0.00% |
| Q4 2023 | $71.6M | $75.1M | 17.40% | 0.00% | 0.01% |
| Q1 2024 | $68.8M | $70.0M | 17.73% | 0.00% | 0.00% |
| Q2 2024 | $68.4M | $70.8M | 18.42% | 0.00% | 0.00% |
| Q3 2024 | $68.7M | $67.8M | 18.69% | 0.00% | 0.00% |
| Q4 2024 | $67.4M | $69.3M | 18.64% | 0.00% | 0.00% |
| Q1 2025 | $67.6M | $68.0M | 17.63% | 0.00% | 0.00% |
| Q2 2025 | $66.6M | $71.2M | 17.21% | 0.00% | 0.00% |
| Q3 2025 | $67.3M | $70.1M | 16.40% | 0.00% | 0.03% |
| Q4 2025 | $66.3M | $70.5M | 16.70% | 0.00% | 0.02% |
| Q1 2026 | $66.4M | $72.2M | 17.41% | 0.00% | 0.01% |
| Q2 2026 | $68.2M | $77.7M | 19.54% | 0.00% | 0.00% |
Morganton Savings Bank, S.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Morganton Savings Bank, S.S.B., 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 Morganton Savings Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30434) · FFIEC NIC profile (RSSD 332671)