East Cambridge 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 CRE concentration (Tier 1 capital + allowance): 21.94 percentage points higher than in Q1 2026, at 260.61%. East Cambridge Savings Bank ranks 31st of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 100.19% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. East Cambridge Savings Bank sits 11.99 points higher, at 100.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.34B |
| Net loans and leases | $1.33B |
| Loans held for sale | $1.5M |
| Loans to total assets | 80.62% |
| Loan-to-deposit ratio | 100.19% |
| Net loans to equity capital | 8.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.00% |
| Multifamily (5+ residential) | 13.61% |
| Commercial and industrial | 3.29% |
| Consumer | 0.66% |
| 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) | 260.61% |
| Construction concentration (Tier 1 capital + allowance) | 48.09% |
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 | $16.1M |
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 | $1.35B | $1.37B | 16.78% | 2.77% | 0.76% |
| Q4 2023 | $1.34B | $1.31B | 16.42% | 2.68% | 0.78% |
| Q1 2024 | $1.32B | $1.29B | 16.85% | 2.68% | 0.76% |
| Q2 2024 | $1.34B | $1.27B | 17.65% | 2.74% | 0.74% |
| Q3 2024 | $1.34B | $1.28B | 17.55% | 2.85% | 0.72% |
| Q4 2024 | $1.31B | $1.30B | 17.55% | 2.92% | 0.72% |
| Q1 2025 | $1.30B | $1.30B | 17.53% | 3.05% | 0.69% |
| Q2 2025 | $1.29B | $1.28B | 17.32% | 3.03% | 0.70% |
| Q3 2025 | $1.30B | $1.29B | 16.98% | 3.08% | 0.69% |
| Q4 2025 | $1.30B | $1.32B | 16.75% | 3.43% | 0.69% |
| Q1 2026 | $1.28B | $1.34B | 16.28% | 3.41% | 0.69% |
| Q2 2026 | $1.34B | $1.34B | 18.00% | 3.29% | 0.66% |
East Cambridge Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock East Cambridge 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 East Cambridge Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90173) · FFIEC NIC profile (RSSD 738303)