Fall River Five Cents 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.
Loans held for sale climbed 50.5% in Q2 2026, from $9.4M to $14.2M. It was the largest change from Q1 2026 among the key lines here. Fall River Five Cents Savings Bank ranks 16th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 105.20% (Q2 2026). Fall River Five Cents Savings Bank reported 105.20% on loan-to-deposit ratio for Q2 2026, 16.99 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.45B |
| Net loans and leases | $1.44B |
| Loans held for sale | $14.2M |
| Loans to total assets | 78.04% |
| Loan-to-deposit ratio | 105.20% |
| Net loans to equity capital | 10.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.20% |
| Multifamily (5+ residential) | 6.64% |
| Commercial and industrial | 7.68% |
| Consumer | 1.10% |
| 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) | 229.86% |
| Construction concentration (Tier 1 capital + allowance) | 18.64% |
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 | — |
| Interest income on loans | $18.4M |
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 | $1.40B | $1.31B | 29.93% | 9.94% | 1.59% |
| Q4 2023 | $1.43B | $1.31B | 30.26% | 9.49% | 1.59% |
| Q1 2024 | $1.44B | $1.33B | 30.47% | 9.41% | 1.61% |
| Q2 2024 | $1.45B | $1.31B | 30.44% | 9.27% | 1.61% |
| Q3 2024 | $1.45B | $1.33B | 30.75% | 9.23% | 1.63% |
| Q4 2024 | $1.45B | $1.35B | 31.33% | 9.20% | 1.37% |
| Q1 2025 | $1.45B | $1.36B | 31.87% | 8.62% | 1.34% |
| Q2 2025 | $1.48B | $1.35B | 31.73% | 8.78% | 1.24% |
| Q3 2025 | $1.47B | $1.35B | 32.43% | 8.24% | 1.20% |
| Q4 2025 | $1.46B | $1.36B | 32.49% | 7.95% | 1.17% |
| Q1 2026 | $1.43B | $1.37B | 32.90% | 7.74% | 1.19% |
| Q2 2026 | $1.45B | $1.38B | 32.20% | 7.68% | 1.10% |
Fall River Five Cents Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fall River Five Cents 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 Fall River Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23286) · FFIEC NIC profile (RSSD 833404)