MT. McKinley 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.
Construction concentration (tier 1 capital + allowance) climbed 2.11 percentage points in Q2 2026, from 32.34% to 34.45%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, MT. McKinley Bank is 2nd from the bottom among 5 Alaska banks, 55.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. MT. McKinley Bank sits 25.19 points lower, at 55.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $291.4M |
| Net loans and leases | $286.9M |
| Loans held for sale | $1.9M |
| Loans to total assets | 45.88% |
| Loan-to-deposit ratio | 55.65% |
| Net loans to equity capital | 2.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.97% |
| Multifamily (5+ residential) | 7.73% |
| Commercial and industrial | 25.51% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.42% |
| Construction concentration (Tier 1 capital + allowance) | 34.45% |
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 | 6.60% |
| Interest income on loans | $4.7M |
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 | $231.6M | $539.4M | 49.58% | 16.45% | 1.21% |
| Q4 2023 | $231.1M | $547.0M | 49.80% | 17.28% | 1.20% |
| Q1 2024 | $234.5M | $539.2M | 46.69% | 21.60% | 1.12% |
| Q2 2024 | $248.9M | $535.2M | 43.87% | 24.49% | 1.14% |
| Q3 2024 | $247.7M | $532.9M | 44.53% | 22.29% | 1.06% |
| Q4 2024 | $252.2M | $530.2M | 41.50% | 24.53% | 1.65% |
| Q1 2025 | $248.2M | $512.5M | 41.65% | 25.07% | 1.55% |
| Q2 2025 | $269.5M | $519.1M | 39.34% | 27.26% | 1.39% |
| Q3 2025 | $276.2M | $532.2M | 38.61% | 26.41% | 1.40% |
| Q4 2025 | $276.6M | $530.3M | 39.23% | 24.88% | 1.26% |
| Q1 2026 | $280.4M | $521.9M | 38.78% | 24.32% | 1.14% |
| Q2 2026 | $291.4M | $523.7M | 36.97% | 25.51% | 1.19% |
MT. McKinley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MT. McKinley 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 MT. McKinley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19525) · FFIEC NIC profile (RSSD 542667)