Bristol County 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.
Loans held for sale climbed 176.1% in Q2 2026, from $7.2M to $19.9M. It was the largest change from Q1 2026 among the key lines here. Bristol County Savings Bank ranks 19th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 103.54% (Q2 2026). Bristol County Savings Bank reported 103.54% on loan-to-deposit ratio for Q2 2026, 15.34 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.73B |
| Net loans and leases | $2.71B |
| Loans held for sale | $19.9M |
| Loans to total assets | 83.87% |
| Loan-to-deposit ratio | 103.54% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.14% |
| Multifamily (5+ residential) | 8.18% |
| Commercial and industrial | 7.43% |
| Consumer | 9.01% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 169.66% |
| Construction concentration (Tier 1 capital + allowance) | 23.82% |
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 | 5.21% |
| Interest income on loans | $35.8M |
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 | $2.38B | $2.54B | 28.53% | 6.50% | 13.81% |
| Q4 2023 | $2.34B | $2.46B | 28.00% | 6.39% | 13.57% |
| Q1 2024 | $2.34B | $2.55B | 27.77% | 6.22% | 13.45% |
| Q2 2024 | $2.40B | $2.59B | 28.98% | 6.18% | 12.97% |
| Q3 2024 | $2.41B | $2.54B | 29.42% | 6.16% | 12.59% |
| Q4 2024 | $2.44B | $2.52B | 30.28% | 6.24% | 11.57% |
| Q1 2025 | $2.42B | $2.55B | 30.71% | 5.65% | 11.03% |
| Q2 2025 | $2.51B | $2.51B | 30.98% | 5.95% | 10.45% |
| Q3 2025 | $2.56B | $2.59B | 29.96% | 6.24% | 10.11% |
| Q4 2025 | $2.66B | $2.55B | 31.05% | 6.64% | 9.49% |
| Q1 2026 | $2.65B | $2.64B | 31.00% | 6.84% | 9.20% |
| Q2 2026 | $2.73B | $2.64B | 31.14% | 7.43% | 9.01% |
Bristol County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol County 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 Bristol County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23622) · FFIEC NIC profile (RSSD 13103)