Bankwell Bank: 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): 12.26 percentage points higher than in Q1 2026, at 343.93%. Within Connecticut, Bankwell Bank is 15th of 27 on loan-to-deposit ratio, 97.37% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bankwell Bank sits 9.17 points higher, at 97.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.96B |
| Net loans and leases | $2.92B |
| Loans held for sale | $0 |
| Loans to total assets | 85.26% |
| Loan-to-deposit ratio | 97.37% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.07% |
| Multifamily (5+ residential) | 12.79% |
| Commercial and industrial | 24.20% |
| Consumer | 0.00% |
| 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) | 343.93% |
| Construction concentration (Tier 1 capital + allowance) | 40.14% |
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 | 6.75% |
| Interest income on loans | $48.4M |
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 | $2.76B | $2.78B | 60.32% | 18.39% | 0.00% |
| Q4 2023 | $2.71B | $2.75B | 60.23% | 18.43% | 0.00% |
| Q1 2024 | $2.67B | $2.68B | 60.28% | 19.01% | 0.00% |
| Q2 2024 | $2.65B | $2.67B | 60.30% | 18.96% | 0.00% |
| Q3 2024 | $2.62B | $2.70B | 59.28% | 18.70% | 0.00% |
| Q4 2024 | $2.70B | $2.80B | 57.99% | 19.04% | 0.00% |
| Q1 2025 | $2.64B | $2.76B | 57.21% | 20.00% | 0.00% |
| Q2 2025 | $2.66B | $2.77B | 55.79% | 20.95% | 0.00% |
| Q3 2025 | $2.71B | $2.77B | 56.95% | 20.34% | 0.00% |
| Q4 2025 | $2.84B | $2.85B | 55.62% | 22.71% | 0.00% |
| Q1 2026 | $2.86B | $2.91B | 53.80% | 25.24% | 0.00% |
| Q2 2026 | $2.96B | $3.04B | 53.07% | 24.20% | 0.00% |
Bankwell Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankwell Bank, 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 Bankwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57368) · FFIEC NIC profile (RSSD 3109043)