Everett Co-Operative Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Everett Co-Operative Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $1.46B in Q3 2026, up 10.9% from $1.32B in Q3 2025. That is 86.2% of its total assets. Across the 12 quarters shown it ranged from $1.05B (Q4 2023) to $1.46B (Q3 2026).
CRE concentration (Tier 1 capital + allowance) climbed 13.12 percentage points in Q3 2026, from 465.62% to 478.74%. It was the largest change from Q2 2026 among the key lines here. Among 89 Massachusetts banks, Everett Co-Operative Bank sits 3rd from the top on loan-to-deposit ratio, 119.43% as of Q3 2026. Everett Co-Operative Bank reported 119.43% on loan-to-deposit ratio for Q3 2026, 31.30 points above the 88.13% median for banks in the $1B-10B asset tier.
Loan totals
Largest change in this table: loan-to-deposit ratio, up 2.81 points to 119.43% in Q3 2026 after 116.62% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $1.46B |
| Net loans and leases | $1.45B |
| Loans held for sale | $0 |
| Loans to total assets | 86.18% |
| Loan-to-deposit ratio | 119.43% |
| Net loans to equity capital | 8.63× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Multifamily (5+ residential) moved most in this table, down 0.16 points: 29.75% in Q2 2026, 29.59% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.64% |
| Multifamily (5+ residential) | 29.59% |
| Commercial and industrial | 0.22% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 478.74% |
| Construction concentration (Tier 1 capital + allowance) | 61.92% |
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
Yield on loans moved most in this table, up 0.10 points: 5.67% in Q2 2026, 5.77% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.77% |
| Interest income on loans | $20.6M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $1.05B | $886.1M | 18.72% | 0.88% | 0.02% |
| Q1 2024 | $1.08B | $919.1M | 18.71% | 1.33% | 0.02% |
| Q2 2024 | $1.11B | $949.6M | 18.95% | 1.27% | 0.01% |
| Q3 2024 | $1.12B | $960.5M | 19.79% | 1.29% | 0.01% |
| Q4 2024 | $1.15B | $1.01B | 19.99% | 1.21% | 0.01% |
| Q1 2025 | $1.19B | $1.05B | 21.49% | 1.06% | 0.02% |
| Q2 2025 | $1.29B | $1.08B | 23.96% | 0.95% | 0.07% |
| Q3 2025 | $1.32B | $1.12B | 24.13% | 0.62% | 0.06% |
| Q4 2025 | $1.38B | $1.14B | 24.33% | 0.58% | 0.06% |
| Q1 2026 | $1.40B | $1.21B | 23.92% | 0.56% | 0.01% |
| Q2 2026 | $1.40B | $1.20B | 24.57% | 0.22% | 0.01% |
| Q3 2026 | $1.46B | $1.22B | 24.64% | 0.22% | 0.05% |
Everett Co-Operative Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Everett Co-Operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26444) · FFIEC NIC profile (RSSD 952172)