Dr 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 CRE concentration (Tier 1 capital + allowance): 6.22 percentage points lower than in Q1 2026, at 124.28%. Within Connecticut, Dr Bank is 12th of 27 on loan-to-deposit ratio, 99.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Dr Bank sits 19.03 points higher, at 99.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $751.4M |
| Net loans and leases | $746.2M |
| Loans held for sale | $189.4M |
| Loans to total assets | 82.33% |
| Loan-to-deposit ratio | 99.59% |
| Net loans to equity capital | 8.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.59% |
| Multifamily (5+ residential) | 2.97% |
| Commercial and industrial | 0.83% |
| Consumer | 65.22% |
| Credit cards | 0.01% |
| 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) | 124.28% |
| Construction concentration (Tier 1 capital + allowance) | 29.13% |
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 | 9.11% |
| Interest income on loans | $16.8M |
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 | $456.7M | $438.4M | 19.21% | 0.33% | 44.56% |
| Q4 2023 | $502.5M | $502.1M | 18.16% | 0.27% | 48.23% |
| Q1 2024 | $516.9M | $505.3M | 17.54% | 0.21% | 49.33% |
| Q2 2024 | $541.5M | $525.2M | 18.38% | 0.23% | 49.12% |
| Q3 2024 | $578.1M | $584.8M | 17.57% | 0.92% | 52.18% |
| Q4 2024 | $585.8M | $569.4M | 17.49% | 0.93% | 52.40% |
| Q1 2025 | $594.0M | $591.4M | 17.17% | 0.85% | 54.18% |
| Q2 2025 | $608.4M | $597.4M | 16.74% | 0.85% | 55.58% |
| Q3 2025 | $665.2M | $639.3M | 14.44% | 0.87% | 60.02% |
| Q4 2025 | $698.4M | $702.5M | 13.24% | 0.87% | 61.44% |
| Q1 2026 | $722.6M | $716.6M | 12.54% | 1.03% | 62.60% |
| Q2 2026 | $751.4M | $754.5M | 11.59% | 0.83% | 65.22% |
Dr Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dr 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 Dr Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58257) · FFIEC NIC profile (RSSD 3428258)