Carthage Savings and Loan, N.A.: 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.
Compared with Q1 2026, Loans to total assets fell 0.47 percentage points in Q2 2026 to 76.05%, the biggest move on this page. Within New York, Carthage Savings and Loan, N.A. is 35th of 105 on loan-to-deposit ratio, 92.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Carthage Savings and Loan, N.A. sits 11.37 points higher, at 92.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $237.3M |
| Net loans and leases | $235.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.05% |
| Loan-to-deposit ratio | 92.21% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.00% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 0.11% |
| Consumer | 2.49% |
| 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) | 12.31% |
| Construction concentration (Tier 1 capital + allowance) | 11.15% |
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 | 5.71% |
| Interest income on loans | $3.3M |
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 | $214.9M | $252.2M | 1.14% | 0.18% | 2.98% |
| Q4 2023 | $217.2M | $251.1M | 1.11% | 0.17% | 2.88% |
| Q1 2024 | $216.8M | $248.8M | 1.06% | 0.14% | 2.90% |
| Q2 2024 | $218.7M | $251.0M | 1.13% | 0.14% | 2.77% |
| Q3 2024 | $222.5M | $248.6M | 0.89% | 0.13% | 2.84% |
| Q4 2024 | $225.2M | $247.8M | 0.86% | 0.12% | 2.80% |
| Q1 2025 | $225.4M | $256.2M | 0.85% | 0.10% | 2.72% |
| Q2 2025 | $226.2M | $255.8M | 0.82% | 0.09% | 2.71% |
| Q3 2025 | $229.9M | $254.8M | 0.80% | 0.11% | 2.74% |
| Q4 2025 | $233.1M | $251.2M | 0.77% | 0.11% | 2.68% |
| Q1 2026 | $235.7M | $254.6M | 1.03% | 0.09% | 2.47% |
| Q2 2026 | $237.3M | $257.4M | 1.00% | 0.11% | 2.49% |
Carthage Savings and Loan, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carthage Savings and Loan, N.A., 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 Carthage Savings and Loan, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28942) · FFIEC NIC profile (RSSD 900678)