Cape & Coast 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.
Construction concentration (tier 1 capital + allowance) dropped 7.36 percentage points in Q2 2026, from 35.50% to 28.14%. It was the largest change from Q1 2026 among the key lines here. Cape & Coast Bank ranks 17th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 104.26% (Q2 2026). Cape & Coast Bank reported 104.26% on loan-to-deposit ratio for Q2 2026, 16.06 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.46B |
| Net loans and leases | $1.45B |
| Loans held for sale | $592K |
| Loans to total assets | 86.96% |
| Loan-to-deposit ratio | 104.26% |
| Net loans to equity capital | 9.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.99% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 3.11% |
| Consumer | 4.32% |
| 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) | 203.32% |
| Construction concentration (Tier 1 capital + allowance) | 28.14% |
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 | — |
| Interest income on loans | $18.9M |
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 | $1.31B | $1.31B | 23.48% | 2.76% | 0.24% |
| Q4 2023 | $1.35B | $1.28B | 24.58% | 2.89% | 0.30% |
| Q1 2024 | $1.39B | $1.32B | 24.15% | 3.17% | 1.76% |
| Q2 2024 | $1.41B | $1.36B | 23.48% | 2.87% | 3.40% |
| Q3 2024 | $1.39B | $1.31B | 23.59% | 2.54% | 3.24% |
| Q4 2024 | $1.39B | $1.36B | 23.38% | 2.91% | 4.02% |
| Q1 2025 | $1.40B | $1.37B | 23.25% | 3.12% | 5.43% |
| Q2 2025 | $1.43B | $1.37B | 23.06% | 3.13% | 6.44% |
| Q3 2025 | $1.43B | $1.40B | 24.21% | 2.85% | 5.82% |
| Q4 2025 | $1.46B | $1.34B | 24.78% | 2.94% | 5.23% |
| Q1 2026 | $1.46B | $1.40B | 26.05% | 2.97% | 4.83% |
| Q2 2026 | $1.46B | $1.40B | 26.99% | 3.11% | 4.32% |
Cape & Coast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape & Coast 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 & Coast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26517) · FFIEC NIC profile (RSSD 119779)