Brattleboro Savings & Loan Association: 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 Loan-to-deposit ratio: 2.74 percentage points higher than in Q1 2026, at 85.86%. Within Vermont, Brattleboro Savings & Loan Association is 6th of 12 on loan-to-deposit ratio, 85.86% as of Q2 2026, above the middle of the field. Brattleboro Savings & Loan Association reported 85.86% on loan-to-deposit ratio for Q2 2026, 5.02 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.2M |
| Net loans and leases | $223.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.99% |
| Loan-to-deposit ratio | 85.86% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.14% |
| Multifamily (5+ residential) | 3.09% |
| Commercial and industrial | 3.85% |
| Consumer | 0.63% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.96% |
| Construction concentration (Tier 1 capital + allowance) | 8.89% |
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 | 5.63% |
| Interest income on loans | $3.1M |
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 | $194.3M | $253.6M | 31.10% | 3.20% | 0.76% |
| Q4 2023 | $198.5M | $255.8M | 30.92% | 3.09% | 0.40% |
| Q1 2024 | $197.1M | $251.8M | 30.61% | 3.28% | 0.66% |
| Q2 2024 | $202.3M | $254.6M | 30.41% | 3.49% | 0.41% |
| Q3 2024 | $203.8M | $251.5M | 31.19% | 3.37% | 0.80% |
| Q4 2024 | $205.7M | $256.0M | 31.71% | 3.56% | 0.38% |
| Q1 2025 | $204.1M | $257.1M | 31.23% | 3.57% | 0.69% |
| Q2 2025 | $208.9M | $248.2M | 33.80% | 3.62% | 0.49% |
| Q3 2025 | $209.9M | $253.0M | 33.81% | 3.62% | 0.62% |
| Q4 2025 | $215.2M | $252.1M | 35.92% | 3.60% | 0.86% |
| Q1 2026 | $218.5M | $262.9M | 38.11% | 3.44% | 0.87% |
| Q2 2026 | $225.2M | $262.3M | 37.14% | 3.85% | 0.63% |
Brattleboro Savings & Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Brattleboro Savings & Loan Association, 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 Brattleboro Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28837) · FFIEC NIC profile (RSSD 580874)