Bank of Easton: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.71 percentage points higher than in Q1 2026, at 55.52%. On loan-to-deposit ratio, Bank of Easton is 4th from the bottom among 89 Massachusetts banks, 55.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Easton sits 25.32 points lower, at 55.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.5M |
| Net loans and leases | $122.8M |
| Loans held for sale | $0 |
| Loans to total assets | 49.61% |
| Loan-to-deposit ratio | 55.52% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.66% |
| Multifamily (5+ residential) | 0.75% |
| Commercial and industrial | 0.21% |
| Consumer | 0.83% |
| 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) | 15.53% |
| Construction concentration (Tier 1 capital + allowance) | 2.59% |
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 | 5.06% |
| Interest income on loans | $1.5M |
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 | $102.7M | $173.6M | 2.70% | 0.15% | 0.84% |
| Q4 2023 | $111.2M | $173.5M | 4.27% | 0.16% | 1.04% |
| Q1 2024 | $111.3M | $182.9M | 4.17% | 0.16% | 1.05% |
| Q2 2024 | $112.7M | $177.1M | 4.03% | 0.14% | 1.19% |
| Q3 2024 | $110.4M | $179.9M | 4.01% | 0.15% | 1.22% |
| Q4 2024 | $110.7M | $182.8M | 3.80% | 0.16% | 1.24% |
| Q1 2025 | $113.0M | $187.0M | 4.32% | 0.14% | 1.20% |
| Q2 2025 | $116.6M | $211.4M | 4.09% | 0.13% | 1.11% |
| Q3 2025 | $118.1M | $215.3M | 3.93% | 0.18% | 0.96% |
| Q4 2025 | $121.0M | $219.0M | 4.94% | 0.19% | 0.86% |
| Q1 2026 | $120.9M | $224.7M | 4.88% | 0.21% | 0.91% |
| Q2 2026 | $123.5M | $222.5M | 4.66% | 0.21% | 0.83% |
Bank of Easton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Easton, 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 Bank of Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26554) · FFIEC NIC profile (RSSD 956376)