Claremont 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.
The standout move of Q2 2026 was in Commercial and industrial: 1.73 percentage points higher than in Q1 2026, at 8.43%. Within New Hampshire, Claremont Savings Bank is 5th of 16 on loan-to-deposit ratio, 103.52% as of Q2 2026, above the middle of the field. Claremont Savings Bank reported 103.52% on loan-to-deposit ratio for Q2 2026, 22.68 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $490.2M |
| Net loans and leases | $485.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.11% |
| Loan-to-deposit ratio | 103.52% |
| Net loans to equity capital | 6.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.99% |
| Multifamily (5+ residential) | 2.35% |
| Commercial and industrial | 8.43% |
| Consumer | 0.89% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.75% |
| Construction concentration (Tier 1 capital + allowance) | 38.39% |
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 | 5.24% |
| Interest income on loans | $6.4M |
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 | $415.8M | $444.7M | 10.82% | 4.00% | 0.89% |
| Q4 2023 | $418.2M | $419.6M | 10.68% | 5.25% | 0.92% |
| Q1 2024 | $416.7M | $410.0M | 11.43% | 5.64% | 0.90% |
| Q2 2024 | $417.9M | $406.9M | 11.63% | 6.56% | 0.97% |
| Q3 2024 | $420.0M | $436.2M | 11.79% | 6.89% | 1.12% |
| Q4 2024 | $433.9M | $417.6M | 12.97% | 6.45% | 0.95% |
| Q1 2025 | $454.7M | $443.4M | 12.95% | 6.88% | 0.90% |
| Q2 2025 | $458.5M | $448.0M | 12.80% | 6.67% | 1.06% |
| Q3 2025 | $471.6M | $449.2M | 12.61% | 6.87% | 1.03% |
| Q4 2025 | $478.6M | $462.8M | 13.44% | 5.97% | 1.19% |
| Q1 2026 | $482.2M | $461.7M | 15.14% | 6.69% | 1.03% |
| Q2 2026 | $490.2M | $473.6M | 14.99% | 8.43% | 0.89% |
Claremont Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Claremont 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 Claremont Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18038) · FFIEC NIC profile (RSSD 47500)