The Business 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 CRE concentration (Tier 1 capital + allowance): 22.95 percentage points lower than in Q1 2026, at 311.68%. The Business Bank has the 2nd lowest loan-to-deposit ratio of the 12 banks headquartered in Vermont, at 76.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Business Bank sits 4.49 points lower, at 76.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $237.3M |
| Net loans and leases | $234.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.37% |
| Loan-to-deposit ratio | 76.35% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.77% |
| Multifamily (5+ residential) | 17.68% |
| Commercial and industrial | 16.71% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 311.68% |
| Construction concentration (Tier 1 capital + allowance) | 44.35% |
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 | 6.14% |
| Interest income on loans | $3.4M |
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 | $53.5M | $105.7M | 36.08% | 28.88% | 0.00% |
| Q4 2023 | $77.4M | $130.2M | 39.74% | 24.57% | 0.00% |
| Q1 2024 | $84.9M | $142.8M | 35.55% | 21.94% | 0.00% |
| Q2 2024 | $98.9M | $191.5M | 39.60% | 19.66% | 0.00% |
| Q3 2024 | $111.9M | $230.1M | 37.67% | 21.23% | 0.00% |
| Q4 2024 | $137.6M | $236.5M | 48.70% | 23.13% | 0.00% |
| Q1 2025 | $143.4M | $247.8M | 47.39% | 23.94% | 0.00% |
| Q2 2025 | $150.3M | $242.7M | 47.01% | 23.61% | 0.00% |
| Q3 2025 | $159.8M | $279.1M | 47.45% | 19.08% | 0.00% |
| Q4 2025 | $186.8M | $252.1M | 46.34% | 15.94% | 0.00% |
| Q1 2026 | $207.4M | $250.7M | 46.24% | 16.51% | 0.00% |
| Q2 2026 | $237.3M | $310.8M | 48.77% | 16.71% | 0.00% |
The Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Business 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 The Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59298) · FFIEC NIC profile (RSSD 5760662)