Clinton 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.
Construction concentration (tier 1 capital + allowance) dropped 14.54 percentage points in Q2 2026, from 59.08% to 44.54%. It was the largest change from Q1 2026 among the key lines here. Clinton Savings Bank ranks 64th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 89.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Clinton Savings Bank sits 8.20 points higher, at 89.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $518.5M |
| Net loans and leases | $512.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.62% |
| Loan-to-deposit ratio | 89.15% |
| Net loans to equity capital | 8.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.99% |
| Multifamily (5+ residential) | 10.99% |
| Commercial and industrial | 1.28% |
| Consumer | 0.95% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 186.64% |
| Construction concentration (Tier 1 capital + allowance) | 44.54% |
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 | 5.21% |
| Interest income on loans | $6.8M |
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 | $517.3M | $596.1M | 22.74% | 1.89% | 1.48% |
| Q4 2023 | $516.5M | $582.5M | 22.36% | 1.24% | 1.50% |
| Q1 2024 | $519.8M | $581.5M | 22.34% | 1.12% | 1.44% |
| Q2 2024 | $538.5M | $592.3M | 23.09% | 1.19% | 1.37% |
| Q3 2024 | $543.5M | $592.7M | 22.69% | 1.29% | 1.31% |
| Q4 2024 | $535.6M | $604.4M | 21.74% | 1.34% | 1.23% |
| Q1 2025 | $536.5M | $597.3M | 21.49% | 1.36% | 1.19% |
| Q2 2025 | $531.8M | $591.2M | 21.27% | 1.21% | 1.15% |
| Q3 2025 | $536.4M | $565.7M | 20.65% | 1.09% | 1.14% |
| Q4 2025 | $529.1M | $570.8M | 20.34% | 1.27% | 1.10% |
| Q1 2026 | $517.7M | $583.1M | 19.84% | 1.22% | 1.02% |
| Q2 2026 | $518.5M | $581.6M | 20.99% | 1.28% | 0.95% |
Clinton Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton 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 Clinton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90181) · FFIEC NIC profile (RSSD 179700)