Quontic 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.
Loan-to-deposit ratio climbed 12.08 percentage points in Q2 2026, from 76.46% to 88.54%. It was the largest change from Q1 2026 among the key lines here. Within New York, Quontic Bank is 45th of 105 on loan-to-deposit ratio, 88.54% as of Q2 2026, above the middle of the field. Quontic Bank reported 88.54% on loan-to-deposit ratio for Q2 2026, 7.70 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $614.4M |
| Net loans and leases | $613.2M |
| Loans held for sale | $242.1M |
| Loans to total assets | 78.07% |
| Loan-to-deposit ratio | 88.54% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.22% |
| 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) | 1.68% |
| 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 | 7.79% |
| Interest income on loans | $11.3M |
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 | $413.8M | $458.7M | 0.39% | 2.76% | 0.00% |
| Q4 2023 | $444.3M | $522.5M | 0.36% | 2.25% | 0.00% |
| Q1 2024 | $404.9M | $586.5M | 0.39% | 1.71% | 0.00% |
| Q2 2024 | $488.6M | $512.3M | 0.32% | 0.91% | 0.00% |
| Q3 2024 | $486.1M | $564.3M | 0.15% | 0.68% | 0.00% |
| Q4 2024 | $520.6M | $614.7M | 0.29% | 0.47% | 0.04% |
| Q1 2025 | $585.1M | $697.8M | 0.26% | 0.28% | 0.00% |
| Q2 2025 | $570.8M | $653.2M | 0.00% | 0.20% | 0.00% |
| Q3 2025 | $585.9M | $609.1M | 0.00% | 0.08% | 0.00% |
| Q4 2025 | $585.0M | $739.6M | 0.00% | 0.04% | 0.00% |
| Q1 2026 | $580.9M | $759.8M | 0.00% | 0.00% | 0.00% |
| Q2 2026 | $614.4M | $693.9M | 0.00% | 0.00% | 0.00% |
Quontic Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Quontic 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 Quontic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57807) · FFIEC NIC profile (RSSD 3340725)