Eastbank, N.A.: 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.
Cre concentration (tier 1 capital + allowance) climbed 14.75 percentage points in Q2 2026, from 195.79% to 210.54%. It was the largest change from Q1 2026 among the key lines here. Within New York, Eastbank, N.A. is 23rd of 105 on loan-to-deposit ratio, 96.74% as of Q2 2026, above the middle of the field. Eastbank, N.A. reported 96.74% on loan-to-deposit ratio for Q2 2026, 15.90 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $101.3M |
| Net loans and leases | $98.7M |
| Loans held for sale | $0 |
| Loans to total assets | 66.19% |
| Loan-to-deposit ratio | 96.74% |
| Net loans to equity capital | 2.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.93% |
| Multifamily (5+ residential) | 29.42% |
| Commercial and industrial | 0.61% |
| Consumer | 0.00% |
| 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) | 210.54% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.69% |
| Interest income on loans | $1.6M |
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 | $89.3M | $115.7M | 48.53% | 0.93% | 0.00% |
| Q4 2023 | $94.6M | $118.4M | 51.57% | 0.84% | 0.00% |
| Q1 2024 | $93.1M | $115.6M | 51.61% | 0.82% | 0.00% |
| Q2 2024 | $96.2M | $111.3M | 53.68% | 0.77% | 0.00% |
| Q3 2024 | $95.0M | $116.6M | 53.61% | 0.75% | 0.00% |
| Q4 2024 | $96.6M | $123.0M | 52.37% | 0.67% | 0.00% |
| Q1 2025 | $96.1M | $114.2M | 52.64% | 0.65% | 0.00% |
| Q2 2025 | $94.8M | $106.7M | 52.83% | 0.64% | 0.00% |
| Q3 2025 | $92.5M | $108.4M | 54.30% | 0.63% | 0.00% |
| Q4 2025 | $94.2M | $105.7M | 53.95% | 0.60% | 0.00% |
| Q1 2026 | $95.5M | $104.7M | 53.11% | 0.56% | 0.00% |
| Q2 2026 | $101.3M | $104.7M | 54.93% | 0.61% | 0.00% |
Eastbank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastbank, N.A., 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 Eastbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25749) · FFIEC NIC profile (RSSD 98717)