BNY Mellon Trust of Delaware: 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 largest change between Q1 2026 and Q2 2026 was in Net loans and leases, which fell 3.9% to $6.6M. Within Delaware, BNY Mellon Trust of Delaware is 13th of 17 on loan-to-deposit ratio, 4.36% as of Q2 2026, below the middle of the field. BNY Mellon Trust of Delaware's loan-to-deposit ratio of 4.36% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 76.47 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.6M |
| Net loans and leases | $6.6M |
| Loans held for sale | $0 |
| Loans to total assets | 2.58% |
| Loan-to-deposit ratio | 4.36% |
| Net loans to equity capital | 0.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 4.52% |
| Interest income on loans | $76K |
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 | $9.3M | $96.1M | 0.00% | 0.00% | 0.00% |
| Q4 2023 | $8.9M | $105.5M | 0.00% | 0.00% | 0.00% |
| Q1 2024 | $8.7M | $119.3M | 0.00% | 0.00% | 0.00% |
| Q2 2024 | $8.5M | $111.2M | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $8.3M | $109.2M | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $7.9M | $154.0M | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $7.8M | $139.6M | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $7.5M | $232.1M | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $7.3M | $130.0M | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $7.0M | $139.7M | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $6.8M | $147.0M | 0.00% | 0.00% | 0.00% |
| Q2 2026 | $6.6M | $150.5M | 0.00% | 0.00% | 0.00% |
BNY Mellon Trust of Delaware loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon Trust of Delaware, 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 BNY Mellon Trust of Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24867) · FFIEC NIC profile (RSSD 488318)