Bangor 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.
Loans held for sale climbed 67.8% in Q2 2026, from $17.6M to $29.5M. It was the largest change from Q1 2026 among the key lines here. Within Maine, Bangor Savings Bank is 17th of 22 on loan-to-deposit ratio, 91.63% 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. Bangor Savings Bank sits 3.43 points higher, at 91.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.24B |
| Net loans and leases | $5.20B |
| Loans held for sale | $29.5M |
| Loans to total assets | 67.75% |
| Loan-to-deposit ratio | 91.63% |
| Net loans to equity capital | 9.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.37% |
| Multifamily (5+ residential) | 8.11% |
| Commercial and industrial | 6.32% |
| Consumer | 0.95% |
| Credit cards | 0.15% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.04% |
| Construction concentration (Tier 1 capital + allowance) | 26.09% |
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 | 5.04% |
| Interest income on loans | $64.9M |
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 | $4.81B | $5.53B | 24.62% | 6.69% | 0.69% |
| Q4 2023 | $4.83B | $5.33B | 25.00% | 6.90% | 0.71% |
| Q1 2024 | $4.84B | $5.24B | 24.51% | 7.43% | 0.72% |
| Q2 2024 | $4.89B | $5.35B | 24.19% | 7.58% | 0.74% |
| Q3 2024 | $4.86B | $5.44B | 24.12% | 7.44% | 0.77% |
| Q4 2024 | $4.94B | $5.96B | 24.85% | 7.53% | 1.25% |
| Q1 2025 | $4.98B | $6.18B | 24.85% | 7.94% | 1.18% |
| Q2 2025 | $5.07B | $5.92B | 25.10% | 7.28% | 1.13% |
| Q3 2025 | $5.05B | $5.82B | 24.95% | 6.63% | 1.11% |
| Q4 2025 | $5.12B | $5.70B | 25.88% | 6.68% | 1.05% |
| Q1 2026 | $5.12B | $5.72B | 26.33% | 6.36% | 0.99% |
| Q2 2026 | $5.24B | $5.72B | 26.37% | 6.32% | 0.95% |
Bangor Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bangor 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 Bangor Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18408) · FFIEC NIC profile (RSSD 419406)