Fieldpoint Private Bank & Trust: 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) dropped 7.38 percentage points in Q2 2026, from 265.09% to 257.71%. It was the largest change from Q1 2026 among the key lines here. Fieldpoint Private Bank & Trust ranks 23rd of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 79.22% (Q2 2026). At 79.22%, Fieldpoint Private Bank & Trust's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $619.3M |
| Net loans and leases | $612.9M |
| Loans held for sale | $1.8M |
| Loans to total assets | 71.42% |
| Loan-to-deposit ratio | 79.22% |
| Net loans to equity capital | 10.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.88% |
| Multifamily (5+ residential) | 4.52% |
| Commercial and industrial | 12.61% |
| Consumer | 9.78% |
| Credit cards | 0.16% |
| 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) | 257.71% |
| Construction concentration (Tier 1 capital + allowance) | 24.05% |
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 | 5.69% |
| Interest income on loans | $9.0M |
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 | $1.03B | $1.15B | 34.07% | 12.93% | 3.09% |
| Q4 2023 | $923.6M | $729.3M | 31.65% | 14.05% | 4.01% |
| Q1 2024 | $905.3M | $752.7M | 31.65% | 14.23% | 3.80% |
| Q2 2024 | $954.3M | $915.4M | 30.48% | 10.92% | 8.21% |
| Q3 2024 | $927.6M | $903.8M | 31.06% | 11.02% | 8.59% |
| Q4 2024 | $927.6M | $901.4M | 30.07% | 10.46% | 9.11% |
| Q1 2025 | $791.5M | $795.5M | 28.40% | 12.64% | 6.67% |
| Q2 2025 | $799.8M | $862.3M | 27.79% | 13.46% | 6.85% |
| Q3 2025 | $767.4M | $814.7M | 29.00% | 11.95% | 7.99% |
| Q4 2025 | $658.1M | $821.0M | 28.16% | 12.66% | 8.74% |
| Q1 2026 | $645.5M | $816.0M | 28.92% | 12.62% | 8.74% |
| Q2 2026 | $619.3M | $781.8M | 28.88% | 12.61% | 9.78% |
Fieldpoint Private Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fieldpoint Private Bank & Trust, 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 Fieldpoint Private Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58741) · FFIEC NIC profile (RSSD 3664588)