Auburn Savings Bank, FSB: 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.
Construction concentration (tier 1 capital + allowance) dropped 12.43 percentage points in Q2 2026, from 45.83% to 33.40%. It was the largest change from Q1 2026 among the key lines here. Within Maine, Auburn Savings Bank, FSB is 5th of 22 on loan-to-deposit ratio, 112.64% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Auburn Savings Bank, FSB sits 31.80 points higher, at 112.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.5M |
| Net loans and leases | $84.7M |
| Loans held for sale | $0 |
| Loans to total assets | 82.83% |
| Loan-to-deposit ratio | 112.64% |
| Net loans to equity capital | 12.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.48% |
| Multifamily (5+ residential) | 5.48% |
| Commercial and industrial | 3.92% |
| Consumer | 3.59% |
| Credit cards | 0.00% |
| Farm | 0.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.63% |
| Construction concentration (Tier 1 capital + allowance) | 33.40% |
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 | 5.94% |
| Interest income on loans | $1.2M |
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 | $81.2M | $77.4M | 8.41% | 5.51% | 0.65% |
| Q4 2023 | $84.9M | $79.2M | 8.40% | 5.90% | 3.61% |
| Q1 2024 | $83.8M | $75.0M | 8.48% | 5.91% | 3.47% |
| Q2 2024 | $82.1M | $74.6M | 8.34% | 5.60% | 3.30% |
| Q3 2024 | $81.0M | $74.9M | 8.27% | 5.24% | 3.16% |
| Q4 2024 | $83.2M | $74.6M | 8.09% | 5.35% | 4.29% |
| Q1 2025 | $81.7M | $72.3M | 7.75% | 5.33% | 4.25% |
| Q2 2025 | $82.4M | $76.5M | 7.55% | 5.08% | 4.09% |
| Q3 2025 | $83.1M | $74.3M | 7.78% | 4.05% | 4.00% |
| Q4 2025 | $83.7M | $75.5M | 8.01% | 4.58% | 3.84% |
| Q1 2026 | $84.0M | $73.6M | 8.34% | 4.36% | 3.98% |
| Q2 2026 | $85.5M | $75.9M | 10.48% | 3.92% | 3.59% |
Auburn Savings Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Savings Bank, FSB, 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 Auburn Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28288) · FFIEC NIC profile (RSSD 229173)