Mutual 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.
Loan-to-deposit ratio climbed 10.87 percentage points in Q2 2026, from 150.96% to 161.84%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Mutual Savings and Loan Association ranks first in Louisiana on loan-to-deposit ratio among 103 banks, at 161.84%. Mutual Savings and Loan Association's loan-to-deposit ratio of 161.84% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 94.21 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.3M |
| Net loans and leases | $30.1M |
| Loans held for sale | $0 |
| Loans to total assets | 84.23% |
| Loan-to-deposit ratio | 161.84% |
| Net loans to equity capital | 1.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.69% |
| 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) | 4.01% |
| Construction concentration (Tier 1 capital + allowance) | 4.01% |
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 | 4.55% |
| Interest income on loans | $342K |
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 | $32.1M | $23.3M | 2.31% | 0.00% | 1.04% |
| Q4 2023 | $32.2M | $21.2M | 2.20% | 0.00% | 1.01% |
| Q1 2024 | $32.2M | $21.4M | 2.13% | 0.00% | 0.98% |
| Q2 2024 | $31.7M | $20.5M | 2.07% | 0.00% | 0.96% |
| Q3 2024 | $31.0M | $21.0M | 2.02% | 0.00% | 0.98% |
| Q4 2024 | $30.8M | $29.9M | 1.94% | 0.00% | 0.96% |
| Q1 2025 | $31.0M | $20.5M | 1.84% | 0.00% | 0.73% |
| Q2 2025 | $31.1M | $19.7M | 1.73% | 0.00% | 0.71% |
| Q3 2025 | $31.5M | $18.8M | 1.62% | 0.00% | 0.69% |
| Q4 2025 | $30.9M | $20.1M | 1.54% | 0.00% | 0.69% |
| Q1 2026 | $30.6M | $20.3M | 1.45% | 0.00% | 0.68% |
| Q2 2026 | $30.3M | $18.7M | 1.96% | 0.00% | 0.69% |
Mutual Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual 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 Mutual Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27716) · FFIEC NIC profile (RSSD 809070)