Champlain National 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 Construction concentration (Tier 1 capital + allowance): 11.61 percentage points lower than in Q1 2026, at 19.97%. Within New York, Champlain National Bank is 74th of 105 on loan-to-deposit ratio, 73.50% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Champlain National Bank sits 7.34 points lower, at 73.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.2M |
| Net loans and leases | $322.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.63% |
| Loan-to-deposit ratio | 73.50% |
| Net loans to equity capital | 8.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.35% |
| Multifamily (5+ residential) | 19.30% |
| Commercial and industrial | 6.01% |
| Consumer | 10.74% |
| 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) | 261.56% |
| Construction concentration (Tier 1 capital + allowance) | 19.97% |
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 | 5.74% |
| Interest income on loans | $4.7M |
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 | $317.9M | $402.9M | 32.30% | 6.11% | 15.22% |
| Q4 2023 | $320.1M | $369.2M | 31.80% | 5.94% | 15.31% |
| Q1 2024 | $318.0M | $405.3M | 31.73% | 5.91% | 15.04% |
| Q2 2024 | $321.1M | $388.5M | 31.95% | 6.10% | 14.52% |
| Q3 2024 | $321.4M | $433.0M | 32.56% | 6.25% | 14.22% |
| Q4 2024 | $324.6M | $411.4M | 33.27% | 6.16% | 13.38% |
| Q1 2025 | $329.6M | $451.7M | 33.11% | 6.36% | 12.75% |
| Q2 2025 | $336.9M | $424.3M | 34.11% | 6.02% | 12.20% |
| Q3 2025 | $337.5M | $458.9M | 33.56% | 5.67% | 11.81% |
| Q4 2025 | $331.2M | $422.4M | 35.47% | 5.90% | 11.26% |
| Q1 2026 | $330.3M | $448.3M | 36.25% | 5.91% | 10.71% |
| Q2 2026 | $326.2M | $443.9M | 37.35% | 6.01% | 10.74% |
Champlain National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Champlain National 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 Champlain National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7356) · FFIEC NIC profile (RSSD 126012)