The Bank of Canton: 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 14.00 percentage points in Q2 2026, from 202.97% to 188.97%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, The Bank of Canton is 75th of 89 on loan-to-deposit ratio, 81.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Bank of Canton reported 81.36% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $537.9M |
| Net loans and leases | $531.1M |
| Loans held for sale | $3.5M |
| Loans to total assets | 68.74% |
| Loan-to-deposit ratio | 81.36% |
| Net loans to equity capital | 4.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.51% |
| Multifamily (5+ residential) | 9.81% |
| Commercial and industrial | 1.49% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.97% |
| Construction concentration (Tier 1 capital + allowance) | 31.03% |
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 | 5.56% |
| Interest income on loans | $7.5M |
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 | $553.3M | $692.0M | 37.83% | 0.73% | 0.21% |
| Q4 2023 | $545.2M | $661.4M | 32.59% | 0.83% | 0.15% |
| Q1 2024 | $547.4M | $659.3M | 32.60% | 0.91% | 0.13% |
| Q2 2024 | $544.5M | $654.1M | 32.77% | 0.78% | 0.14% |
| Q3 2024 | $528.3M | $627.1M | 32.93% | 0.66% | 0.14% |
| Q4 2024 | $527.8M | $618.9M | 32.76% | 0.89% | 0.22% |
| Q1 2025 | $521.9M | $625.5M | 34.12% | 1.23% | 0.13% |
| Q2 2025 | $524.3M | $636.7M | 33.44% | 1.08% | 0.07% |
| Q3 2025 | $531.9M | $661.6M | 34.74% | 0.83% | 0.06% |
| Q4 2025 | $544.7M | $643.3M | 34.34% | 1.31% | 0.05% |
| Q1 2026 | $539.7M | $674.5M | 34.65% | 1.06% | 0.07% |
| Q2 2026 | $537.9M | $661.1M | 32.51% | 1.49% | 0.05% |
The Bank of Canton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Canton, 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 The Bank of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90175) · FFIEC NIC profile (RSSD 853804)