Bay State Savings 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 Construction concentration (Tier 1 capital + allowance): 8.30 percentage points lower than in Q1 2026, at 28.79%. Within Massachusetts, Bay State Savings Bank is 41st of 89 on loan-to-deposit ratio, 95.33% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bay State Savings Bank sits 14.49 points higher, at 95.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $489.7M |
| Net loans and leases | $485.4M |
| Loans held for sale | $396K |
| Loans to total assets | 84.39% |
| Loan-to-deposit ratio | 95.33% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.60% |
| Multifamily (5+ residential) | 8.77% |
| Commercial and industrial | 5.01% |
| Consumer | 1.07% |
| Credit cards | 0.00% |
| Farm | 0.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.49% |
| Construction concentration (Tier 1 capital + allowance) | 28.79% |
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 | $6.3M |
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 | $443.3M | $473.4M | 24.64% | 2.52% | 1.33% |
| Q4 2023 | $442.8M | $465.4M | 24.26% | 2.52% | 1.41% |
| Q1 2024 | $436.8M | $481.3M | 24.10% | 2.30% | 1.41% |
| Q2 2024 | $434.7M | $491.5M | 23.94% | 2.29% | 1.39% |
| Q3 2024 | $434.5M | $488.1M | 23.46% | 2.25% | 1.38% |
| Q4 2024 | $427.8M | $496.3M | 22.03% | 2.34% | 1.36% |
| Q1 2025 | $431.7M | $488.2M | 21.91% | 2.39% | 1.60% |
| Q2 2025 | $444.4M | $494.2M | 23.42% | 2.98% | 1.23% |
| Q3 2025 | $457.9M | $520.8M | 23.49% | 3.75% | 1.25% |
| Q4 2025 | $469.8M | $510.5M | 23.14% | 5.30% | 1.18% |
| Q1 2026 | $472.0M | $524.0M | 23.44% | 5.04% | 1.15% |
| Q2 2026 | $489.7M | $513.7M | 25.60% | 5.01% | 1.07% |
Bay State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay State Savings 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 Bay State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90311) · FFIEC NIC profile (RSSD 963002)