Eastern Savings Bank Federal 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): 18.36 percentage points lower than in Q1 2026, at 99.22%. Eastern Savings Bank Federal Savings Bank has the highest loan-to-deposit ratio of the 27 banks headquartered in Maryland, 117.59% as of Q2 2026. Eastern Savings Bank Federal Savings Bank reported 117.59% on loan-to-deposit ratio for Q2 2026, 36.75 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.6M |
| Net loans and leases | $241.6M |
| Loans held for sale | $0 |
| Loans to total assets | 72.69% |
| Loan-to-deposit ratio | 117.59% |
| Net loans to equity capital | 2.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.40% |
| Multifamily (5+ residential) | 4.65% |
| Commercial and industrial | 0.00% |
| 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) | 99.22% |
| Construction concentration (Tier 1 capital + allowance) | 52.27% |
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 | 8.56% |
| Interest income on loans | $5.4M |
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 | $267.2M | $232.0M | 30.98% | 0.72% | 0.00% |
| Q4 2023 | $288.1M | $253.2M | 31.82% | 0.67% | 0.00% |
| Q1 2024 | $294.1M | $259.8M | 31.20% | 0.65% | 0.00% |
| Q2 2024 | $308.2M | $259.6M | 34.89% | 0.62% | 0.00% |
| Q3 2024 | $310.5M | $269.4M | 34.60% | 0.00% | 0.00% |
| Q4 2024 | $307.6M | $276.1M | 34.71% | 0.00% | 0.00% |
| Q1 2025 | $306.4M | $283.3M | 32.85% | 0.00% | 0.00% |
| Q2 2025 | $311.4M | $287.4M | 32.33% | 0.00% | 0.00% |
| Q3 2025 | $303.4M | $256.1M | 31.67% | 0.00% | 0.00% |
| Q4 2025 | $281.3M | $237.5M | 34.33% | 0.00% | 0.00% |
| Q1 2026 | $273.1M | $225.4M | 34.04% | 0.00% | 0.00% |
| Q2 2026 | $244.6M | $208.0M | 37.40% | 0.00% | 0.00% |
Eastern Savings Bank Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Savings Bank Federal 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 Eastern Savings Bank Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32360) · FFIEC NIC profile (RSSD 643078)