Bank of Newington: 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): 6.46 percentage points lower than in Q1 2026, at 307.11%. Bank of Newington ranks 28th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 88.01% (Q2 2026). Bank of Newington reported 88.01% on loan-to-deposit ratio for Q2 2026, 7.17 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $265.0M |
| Net loans and leases | $260.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.40% |
| Loan-to-deposit ratio | 88.01% |
| Net loans to equity capital | 8.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.77% |
| Multifamily (5+ residential) | 5.47% |
| Commercial and industrial | 3.03% |
| Consumer | 1.32% |
| Credit cards | 0.00% |
| Farm | 4.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 307.11% |
| Construction concentration (Tier 1 capital + allowance) | 227.52% |
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 | 8.24% |
| Interest income on loans | $5.4M |
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 | $192.9M | $212.4M | 13.40% | 5.15% | 1.84% |
| Q4 2023 | $197.4M | $225.8M | 15.01% | 4.85% | 1.75% |
| Q1 2024 | $212.6M | $244.2M | 14.70% | 4.28% | 1.69% |
| Q2 2024 | $208.7M | $254.2M | 15.08% | 4.74% | 1.72% |
| Q3 2024 | $210.0M | $242.6M | 16.00% | 4.67% | 1.63% |
| Q4 2024 | $219.1M | $238.4M | 15.91% | 4.58% | 1.58% |
| Q1 2025 | $226.9M | $249.8M | 17.45% | 4.06% | 1.59% |
| Q2 2025 | $240.1M | $262.3M | 17.71% | 3.61% | 1.53% |
| Q3 2025 | $239.7M | $268.6M | 17.59% | 3.53% | 1.48% |
| Q4 2025 | $248.6M | $282.6M | 19.29% | 3.34% | 1.47% |
| Q1 2026 | $254.6M | $299.7M | 20.15% | 3.22% | 1.32% |
| Q2 2026 | $265.0M | $301.1M | 21.77% | 3.03% | 1.32% |
Bank of Newington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Newington, 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 Newington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5704) · FFIEC NIC profile (RSSD 948531)