Androscoggin Savings 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) dropped 4.06 percentage points in Q2 2026, from 269.50% to 265.44%. It was the largest change from Q1 2026 among the key lines here. Within Maine, Androscoggin Savings Bank is 12th of 22 on loan-to-deposit ratio, 103.24% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Androscoggin Savings Bank sits 15.04 points higher, at 103.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.48B |
| Net loans and leases | $1.46B |
| Loans held for sale | $3.9M |
| Loans to total assets | 83.73% |
| Loan-to-deposit ratio | 103.24% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.74% |
| Multifamily (5+ residential) | 5.94% |
| Commercial and industrial | 8.93% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.44% |
| Construction concentration (Tier 1 capital + allowance) | 12.84% |
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 | 5.68% |
| Interest income on loans | $19.9M |
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 | $1.28B | $1.30B | 34.31% | 9.38% | 0.19% |
| Q4 2023 | $1.30B | $1.30B | 35.18% | 9.85% | 0.25% |
| Q1 2024 | $1.33B | $1.31B | 34.85% | 10.19% | 0.20% |
| Q2 2024 | $1.35B | $1.31B | 35.69% | 9.97% | 0.33% |
| Q3 2024 | $1.37B | $1.31B | 36.95% | 9.93% | 0.21% |
| Q4 2024 | $1.38B | $1.32B | 36.35% | 9.98% | 0.34% |
| Q1 2025 | $1.41B | $1.33B | 36.24% | 9.85% | 0.16% |
| Q2 2025 | $1.46B | $1.37B | 35.12% | 10.29% | 0.15% |
| Q3 2025 | $1.48B | $1.38B | 34.30% | 10.14% | 0.11% |
| Q4 2025 | $1.49B | $1.46B | 36.47% | 9.41% | 0.12% |
| Q1 2026 | $1.49B | $1.42B | 37.41% | 9.97% | 0.14% |
| Q2 2026 | $1.48B | $1.43B | 37.74% | 8.93% | 0.14% |
Androscoggin Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Androscoggin Savings 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 Androscoggin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17751) · FFIEC NIC profile (RSSD 132107)