Crest 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 Construction concentration (Tier 1 capital + allowance): 2.87 percentage points higher than in Q1 2026, at 13.40%. Crest Savings Bank ranks 32nd of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 87.48% (Q2 2026). Crest Savings Bank reported 87.48% on loan-to-deposit ratio for Q2 2026, 6.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $452.2M |
| Net loans and leases | $449.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.09% |
| Loan-to-deposit ratio | 87.48% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.08% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 0.74% |
| Consumer | 5.36% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.88% |
| Construction concentration (Tier 1 capital + allowance) | 13.40% |
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 | 4.97% |
| Interest income on loans | $5.6M |
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 | $466.3M | $497.3M | 22.07% | 0.71% | 5.44% |
| Q4 2023 | $467.5M | $468.4M | 21.40% | 0.70% | 5.41% |
| Q1 2024 | $466.7M | $452.9M | 23.05% | 0.71% | 5.34% |
| Q2 2024 | $471.0M | $463.6M | 22.81% | 0.81% | 5.37% |
| Q3 2024 | $459.8M | $497.1M | 22.43% | 0.69% | 5.48% |
| Q4 2024 | $458.2M | $476.7M | 22.77% | 0.71% | 5.46% |
| Q1 2025 | $457.8M | $473.3M | 23.02% | 0.80% | 5.48% |
| Q2 2025 | $458.3M | $494.9M | 23.29% | 0.85% | 5.36% |
| Q3 2025 | $447.2M | $546.0M | 23.03% | 0.65% | 5.53% |
| Q4 2025 | $445.4M | $514.5M | 23.12% | 0.67% | 5.52% |
| Q1 2026 | $449.3M | $504.6M | 23.54% | 0.77% | 5.51% |
| Q2 2026 | $452.2M | $516.9M | 23.08% | 0.74% | 5.36% |
Crest Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crest 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 Crest Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28818) · FFIEC NIC profile (RSSD 172475)