diff --git a/src/llama-model-loader.cpp b/src/llama-model-loader.cpp
index 3d50f8a1cb..14ef026d59 100644
--- a/src/llama-model-loader.cpp
+++ b/src/llama-model-loader.cpp
@@ -1225,7 +1225,7 @@ struct ggml_tensor * llama_model_loader::create_tensor(
     };
 
     if (files.empty()) {
-        if (flags & TENSOR_SKIP_IF_VIRTUAL) {
+        if (flags & (TENSOR_SKIP_IF_VIRTUAL | TENSOR_SKIP)) {
             return nullptr;
         }
         ggml_type type = GGML_TYPE_F32;