ConnectOne 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.
Loans held for sale dropped 100.0% in Q2 2026, from $10.2M to $0. It was the largest change from Q1 2026 among the key lines here. ConnectOne Bank ranks 16th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 100.62% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. ConnectOne Bank sits 13.79 points higher, at 100.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.87B |
| Net loans and leases | $11.73B |
| Loans held for sale | $0 |
| Loans to total assets | 82.41% |
| Loan-to-deposit ratio | 100.62% |
| Net loans to equity capital | 6.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.39% |
| Multifamily (5+ residential) | 30.99% |
| Commercial and industrial | 8.63% |
| Consumer | 0.01% |
| 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) | 430.91% |
| Construction concentration (Tier 1 capital + allowance) | 51.72% |
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 | 5.99% |
| Interest income on loans | $176.2M |
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 | $8.18B | $7.47B | 34.52% | 12.77% | 0.00% |
| Q4 2023 | $8.35B | $7.57B | 34.54% | 13.22% | 0.00% |
| Q1 2024 | $8.30B | $7.62B | 34.71% | 13.40% | 0.00% |
| Q2 2024 | $8.16B | $7.61B | 34.87% | 12.56% | 0.00% |
| Q3 2024 | $8.11B | $7.56B | 34.88% | 12.64% | 0.00% |
| Q4 2024 | $8.28B | $7.86B | 34.62% | 12.64% | 0.00% |
| Q1 2025 | $8.20B | $7.81B | 34.60% | 12.34% | 0.00% |
| Q2 2025 | $11.17B | $11.41B | 33.68% | 10.12% | 0.01% |
| Q3 2025 | $11.30B | $11.43B | 33.50% | 9.94% | 0.01% |
| Q4 2025 | $11.45B | $11.30B | 35.36% | 9.39% | 0.01% |
| Q1 2026 | $11.75B | $11.57B | 35.64% | 8.64% | 0.01% |
| Q2 2026 | $11.87B | $11.80B | 36.39% | 8.63% | 0.01% |
ConnectOne Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock ConnectOne 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 ConnectOne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57919) · FFIEC NIC profile (RSSD 3317932)