Charles River 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 4.66 percentage points in Q2 2026, from 182.73% to 178.07%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Charles River Bank is 9th from the bottom among 89 Massachusetts banks, 74.31% (Q2 2026). Charles River Bank reported 74.31% on loan-to-deposit ratio for Q2 2026, 6.24 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.3M |
| Net loans and leases | $230.8M |
| Loans held for sale | $223K |
| Loans to total assets | 69.12% |
| Loan-to-deposit ratio | 74.31% |
| Net loans to equity capital | 10.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.40% |
| Multifamily (5+ residential) | 6.30% |
| Commercial and industrial | 3.03% |
| Consumer | 3.33% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.07% |
| Construction concentration (Tier 1 capital + allowance) | 47.52% |
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 | 5.46% |
| Interest income on loans | $3.2M |
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 | $207.5M | $288.2M | 25.01% | 3.52% | 3.72% |
| Q4 2023 | $211.4M | $281.6M | 25.03% | 4.71% | 3.74% |
| Q1 2024 | $214.9M | $275.2M | 26.57% | 5.44% | 3.57% |
| Q2 2024 | $214.9M | $282.6M | 26.73% | 4.98% | 3.62% |
| Q3 2024 | $212.5M | $282.9M | 26.38% | 3.84% | 3.63% |
| Q4 2024 | $219.2M | $291.6M | 26.80% | 3.83% | 4.07% |
| Q1 2025 | $229.0M | $291.8M | 26.72% | 4.09% | 3.66% |
| Q2 2025 | $234.4M | $298.4M | 26.99% | 3.35% | 4.22% |
| Q3 2025 | $236.4M | $303.0M | 27.33% | 3.30% | 3.97% |
| Q4 2025 | $233.1M | $298.7M | 27.69% | 3.45% | 3.73% |
| Q1 2026 | $234.6M | $306.6M | 27.05% | 3.87% | 3.46% |
| Q2 2026 | $232.3M | $312.6M | 27.40% | 3.03% | 3.33% |
Charles River Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles River 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 Charles River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26602) · FFIEC NIC profile (RSSD 947776)