Bank of New England: 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 CRE concentration (Tier 1 capital + allowance): 15.44 percentage points lower than in Q1 2026, at 426.85%. Among 16 New Hampshire banks, Bank of New England sits 3rd from the top on loan-to-deposit ratio, 104.64% as of Q2 2026. Bank of New England reported 104.64% on loan-to-deposit ratio for Q2 2026, 16.44 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.56B |
| Net loans and leases | $1.55B |
| Loans held for sale | $0 |
| Loans to total assets | 85.86% |
| Loan-to-deposit ratio | 104.64% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.34% |
| Multifamily (5+ residential) | 3.72% |
| Commercial and industrial | 2.86% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 426.85% |
| Construction concentration (Tier 1 capital + allowance) | 185.76% |
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 | 7.02% |
| Interest income on loans | $27.2M |
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 | $1.20B | $1.12B | 62.63% | 3.40% | 0.01% |
| Q4 2023 | $1.20B | $1.11B | 60.80% | 3.53% | 0.01% |
| Q1 2024 | $1.22B | $1.16B | 59.78% | 3.51% | 0.01% |
| Q2 2024 | $1.28B | $1.17B | 55.56% | 3.37% | 0.01% |
| Q3 2024 | $1.30B | $1.20B | 52.87% | 3.46% | 0.00% |
| Q4 2024 | $1.37B | $1.23B | 50.64% | 3.18% | 0.01% |
| Q1 2025 | $1.46B | $1.39B | 52.05% | 2.93% | 0.00% |
| Q2 2025 | $1.55B | $1.44B | 55.35% | 3.05% | 0.01% |
| Q3 2025 | $1.58B | $1.48B | 56.67% | 3.13% | 0.00% |
| Q4 2025 | $1.58B | $1.47B | 55.71% | 3.01% | 0.00% |
| Q1 2026 | $1.57B | $1.53B | 55.43% | 2.76% | 0.01% |
| Q2 2026 | $1.56B | $1.49B | 55.34% | 2.86% | 0.01% |
Bank of New England loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New England, 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 New England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24540) · FFIEC NIC profile (RSSD 113601)