Amalgamated 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.
CRE concentration (Tier 1 capital + allowance) climbed 5.31 percentage points in Q2 2026, from 235.26% to 240.57%. It was the largest change from Q1 2026 among the key lines here. Within New York, Amalgamated Bank is 87th of 105 on loan-to-deposit ratio, 60.69% as of Q2 2026. Amalgamated Bank reported 60.69% on loan-to-deposit ratio for Q2 2026, 27.51 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.15B |
| Net loans and leases | $5.08B |
| Loans held for sale | $459K |
| Loans to total assets | 54.73% |
| Loan-to-deposit ratio | 60.69% |
| Net loans to equity capital | 5.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.47% |
| Multifamily (5+ residential) | 36.15% |
| Commercial and industrial | 24.76% |
| Consumer | 6.37% |
| 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) | 240.57% |
| Construction concentration (Tier 1 capital + allowance) | 1.72% |
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 | 5.19% |
| Interest income on loans | $66.0M |
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 | $4.37B | $7.02B | 7.45% | 23.24% | 10.47% |
| Q4 2023 | $4.41B | $7.08B | 8.01% | 22.16% | 10.19% |
| Q1 2024 | $4.43B | $7.35B | 7.99% | 22.23% | 9.90% |
| Q2 2024 | $4.47B | $7.48B | 8.44% | 21.84% | 9.47% |
| Q3 2024 | $4.59B | $7.62B | 9.05% | 22.41% | 8.95% |
| Q4 2024 | $4.71B | $7.23B | 8.73% | 24.36% | 8.49% |
| Q1 2025 | $4.68B | $7.46B | 8.74% | 24.64% | 8.30% |
| Q2 2025 | $4.72B | $7.76B | 8.95% | 24.76% | 7.97% |
| Q3 2025 | $4.79B | $7.83B | 8.27% | 25.90% | 7.61% |
| Q4 2025 | $4.96B | $7.99B | 7.33% | 26.25% | 7.11% |
| Q1 2026 | $5.03B | $8.21B | 7.55% | 25.07% | 6.77% |
| Q2 2026 | $5.15B | $8.49B | 8.47% | 24.76% | 6.37% |
Amalgamated Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amalgamated 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 Amalgamated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 622) · FFIEC NIC profile (RSSD 661308)