Dean Co-Operative 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: 2.44 percentage points higher than in Q1 2026, at 84.58%. Dean Co-Operative Bank ranks 70th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 84.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Dean Co-Operative Bank sits 3.74 points higher, at 84.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $355.7M |
| Net loans and leases | $352.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.96% |
| Loan-to-deposit ratio | 84.58% |
| Net loans to equity capital | 10.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.64% |
| Multifamily (5+ residential) | 2.94% |
| Commercial and industrial | 8.31% |
| Consumer | 1.30% |
| 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) | 126.36% |
| Construction concentration (Tier 1 capital + allowance) | 30.87% |
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 | 5.15% |
| Interest income on loans | $4.5M |
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 | $313.5M | $391.3M | 16.21% | 7.20% | 1.15% |
| Q4 2023 | $323.5M | $397.8M | 15.46% | 8.68% | 1.24% |
| Q1 2024 | $322.9M | $395.4M | 15.29% | 8.67% | 1.29% |
| Q2 2024 | $323.4M | $400.5M | 15.47% | 8.37% | 1.28% |
| Q3 2024 | $324.2M | $398.3M | 15.44% | 8.27% | 1.31% |
| Q4 2024 | $332.8M | $398.3M | 15.65% | 7.92% | 1.28% |
| Q1 2025 | $338.4M | $407.6M | 16.05% | 7.52% | 1.24% |
| Q2 2025 | $344.8M | $414.9M | 15.64% | 7.50% | 1.28% |
| Q3 2025 | $342.1M | $409.2M | 15.44% | 7.40% | 1.50% |
| Q4 2025 | $346.9M | $419.2M | 14.83% | 7.33% | 1.43% |
| Q1 2026 | $347.2M | $422.7M | 14.53% | 7.63% | 1.33% |
| Q2 2026 | $355.7M | $420.6M | 13.64% | 8.31% | 1.30% |
Dean Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dean Co-Operative 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 Dean Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27269) · FFIEC NIC profile (RSSD 271275)