Bath Savings Institution: 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 Construction concentration (Tier 1 capital + allowance): 2.18 percentage points higher than in Q1 2026, at 18.36%. Bath Savings Institution has the 1st lowest loan-to-deposit ratio of the 22 banks headquartered in Maine, at 76.50% as of Q2 2026. Bath Savings Institution reported 76.50% on loan-to-deposit ratio for Q2 2026, 11.70 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $883.0M |
| Net loans and leases | $870.5M |
| Loans held for sale | $841K |
| Loans to total assets | 58.75% |
| Loan-to-deposit ratio | 76.50% |
| Net loans to equity capital | 3.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.05% |
| Multifamily (5+ residential) | 3.66% |
| Commercial and industrial | 7.36% |
| Consumer | 1.22% |
| Credit cards | 0.08% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.73% |
| Construction concentration (Tier 1 capital + allowance) | 18.36% |
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 | 5.88% |
| Interest income on loans | $12.5M |
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 | $779.8M | $1.01B | 29.58% | 6.33% | 1.38% |
| Q4 2023 | $796.9M | $1.05B | 28.60% | 6.12% | 1.28% |
| Q1 2024 | $812.7M | $1.05B | 28.40% | 6.18% | 1.35% |
| Q2 2024 | $822.1M | $1.10B | 28.75% | 6.52% | 1.40% |
| Q3 2024 | $820.7M | $1.06B | 28.82% | 5.90% | 1.52% |
| Q4 2024 | $826.7M | $1.10B | 29.16% | 6.04% | 1.35% |
| Q1 2025 | $833.4M | $1.11B | 29.64% | 6.63% | 1.32% |
| Q2 2025 | $837.3M | $1.13B | 29.29% | 6.84% | 1.29% |
| Q3 2025 | $862.7M | $1.14B | 29.76% | 6.93% | 1.39% |
| Q4 2025 | $854.1M | $1.16B | 30.53% | 7.45% | 1.25% |
| Q1 2026 | $875.9M | $1.16B | 31.85% | 7.38% | 1.19% |
| Q2 2026 | $883.0M | $1.15B | 32.05% | 7.36% | 1.22% |
Bath Savings Institution loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bath Savings Institution, 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 Bath Savings Institution profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17749) · FFIEC NIC profile (RSSD 433505)