Commonwealth Cooperative 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 Loan-to-deposit ratio: 3.43 percentage points lower than in Q1 2026, at 91.38%. Commonwealth Cooperative Bank ranks 52nd of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 91.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Commonwealth Cooperative Bank sits 10.44 points higher, at 91.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.5M |
| Net loans and leases | $127.6M |
| Loans held for sale | $0 |
| Loans to total assets | 62.67% |
| Loan-to-deposit ratio | 91.38% |
| Net loans to equity capital | 4.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.08% |
| Multifamily (5+ residential) | 7.88% |
| Commercial and industrial | 0.54% |
| Consumer | 0.06% |
| 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) | 104.62% |
| Construction concentration (Tier 1 capital + allowance) | 13.69% |
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 | 5.58% |
| Interest income on loans | $1.8M |
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 | $139.8M | $136.7M | 15.15% | 1.24% | 0.07% |
| Q4 2023 | $134.4M | $133.3M | 15.64% | 0.17% | 0.08% |
| Q1 2024 | $132.9M | $129.8M | 17.21% | 0.28% | 0.09% |
| Q2 2024 | $132.8M | $129.5M | 17.14% | 0.50% | 0.09% |
| Q3 2024 | $132.2M | $132.7M | 17.09% | 0.60% | 0.11% |
| Q4 2024 | $133.0M | $139.1M | 17.06% | 0.60% | 0.09% |
| Q1 2025 | $132.0M | $130.0M | 19.18% | 0.53% | 0.08% |
| Q2 2025 | $133.5M | $130.9M | 16.11% | 0.52% | 0.08% |
| Q3 2025 | $136.3M | $130.9M | 17.90% | 0.57% | 0.07% |
| Q4 2025 | $133.4M | $135.0M | 17.45% | 0.58% | 0.08% |
| Q1 2026 | $131.4M | $138.5M | 17.32% | 0.58% | 0.06% |
| Q2 2026 | $128.5M | $140.6M | 17.08% | 0.54% | 0.06% |
Commonwealth Cooperative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Cooperative 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 Commonwealth Cooperative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29842) · FFIEC NIC profile (RSSD 275479)