BankNewport: 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 Loans held for sale: 47.9% lower than in Q1 2026, at $728K. Among 5 Rhode Island banks, BankNewport sits 3rd from the top on loan-to-deposit ratio, 101.89% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. BankNewport sits 13.69 points higher, at 101.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.49B |
| Net loans and leases | $2.47B |
| Loans held for sale | $728K |
| Loans to total assets | 81.21% |
| Loan-to-deposit ratio | 101.89% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.61% |
| Multifamily (5+ residential) | 7.26% |
| Commercial and industrial | 11.05% |
| Consumer | 0.92% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 294.31% |
| Construction concentration (Tier 1 capital + allowance) | 50.02% |
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 | — |
| Interest income on loans | $35.7M |
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 | $2.09B | $2.13B | 30.96% | 12.11% | 3.99% |
| Q4 2023 | $2.14B | $2.13B | 30.84% | 11.88% | 3.52% |
| Q1 2024 | $2.17B | $2.18B | 30.36% | 11.79% | 3.11% |
| Q2 2024 | $2.20B | $2.22B | 30.47% | 11.14% | 2.73% |
| Q3 2024 | $2.23B | $2.22B | 29.79% | 10.53% | 2.33% |
| Q4 2024 | $2.30B | $2.27B | 30.76% | 10.39% | 2.01% |
| Q1 2025 | $2.30B | $2.23B | 30.65% | 10.68% | 1.31% |
| Q2 2025 | $2.35B | $2.32B | 31.66% | 10.46% | 1.26% |
| Q3 2025 | $2.36B | $2.32B | 33.39% | 10.29% | 1.21% |
| Q4 2025 | $2.34B | $2.35B | 33.41% | 10.33% | 1.18% |
| Q1 2026 | $2.49B | $2.46B | 36.33% | 10.89% | 1.05% |
| Q2 2026 | $2.49B | $2.45B | 36.61% | 11.05% | 0.92% |
BankNewport loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BankNewport, 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 BankNewport profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18129) · FFIEC NIC profile (RSSD 546003)