Cape Ann 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.
Cre concentration (tier 1 capital + allowance) dropped 0.80 percentage points in Q2 2026, from 65.84% to 65.04%. It was the largest change from Q1 2026 among the key lines here. Cape Ann Savings Bank ranks 51st of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 91.42% (Q2 2026). Cape Ann Savings Bank reported 91.42% on loan-to-deposit ratio for Q2 2026, 3.22 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $735.8M |
| Net loans and leases | $729.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.78% |
| Loan-to-deposit ratio | 91.42% |
| Net loans to equity capital | 3.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.41% |
| Multifamily (5+ residential) | 4.95% |
| Commercial and industrial | 1.94% |
| Consumer | 0.17% |
| 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) | 65.04% |
| Construction concentration (Tier 1 capital + allowance) | 10.45% |
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 | 5.05% |
| Interest income on loans | $9.2M |
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 | $653.1M | $714.2M | 15.17% | 2.91% | 0.28% |
| Q4 2023 | $665.7M | $728.4M | 15.88% | 1.99% | 0.26% |
| Q1 2024 | $670.4M | $742.1M | 15.91% | 2.39% | 0.28% |
| Q2 2024 | $682.2M | $743.2M | 16.00% | 2.31% | 0.29% |
| Q3 2024 | $684.1M | $761.1M | 15.09% | 2.14% | 0.30% |
| Q4 2024 | $691.2M | $754.8M | 14.91% | 1.88% | 0.27% |
| Q1 2025 | $697.2M | $721.3M | 15.26% | 1.96% | 0.27% |
| Q2 2025 | $704.7M | $740.7M | 15.30% | 2.01% | 0.33% |
| Q3 2025 | $718.2M | $773.0M | 14.62% | 2.01% | 0.30% |
| Q4 2025 | $726.2M | $782.7M | 15.27% | 1.89% | 0.22% |
| Q1 2026 | $724.0M | $793.5M | 14.90% | 1.95% | 0.26% |
| Q2 2026 | $735.8M | $804.8M | 14.41% | 1.94% | 0.17% |
Cape Ann Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Ann 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 Cape Ann Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90203) · FFIEC NIC profile (RSSD 627108)