The First Bank of Greenwich: 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 Loan-to-deposit ratio: 3.45 percentage points lower than in Q1 2026, at 106.73%. Among 27 Connecticut banks, The First Bank of Greenwich sits 3rd from the top on loan-to-deposit ratio, 106.73% as of Q2 2026. The First Bank of Greenwich reported 106.73% on loan-to-deposit ratio for Q2 2026, 25.90 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $726.5M |
| Net loans and leases | $718.7M |
| Loans held for sale | $0 |
| Loans to total assets | 89.44% |
| Loan-to-deposit ratio | 106.73% |
| Net loans to equity capital | 9.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.10% |
| Multifamily (5+ residential) | 11.73% |
| Commercial and industrial | 8.97% |
| Consumer | 0.04% |
| 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) | 374.57% |
| Construction concentration (Tier 1 capital + allowance) | 42.53% |
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 | 5.67% |
| Interest income on loans | $10.2M |
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 | $628.7M | $599.3M | 35.93% | 6.51% | 0.09% |
| Q4 2023 | $639.4M | $622.9M | 35.82% | 7.02% | 0.08% |
| Q1 2024 | $638.3M | $611.5M | 35.96% | 7.61% | 0.13% |
| Q2 2024 | $645.3M | $621.4M | 35.62% | 7.92% | 0.14% |
| Q3 2024 | $680.6M | $636.7M | 36.81% | 7.66% | 0.04% |
| Q4 2024 | $701.6M | $636.9M | 36.82% | 7.80% | 0.03% |
| Q1 2025 | $718.7M | $612.2M | 37.56% | 7.16% | 0.03% |
| Q2 2025 | $715.0M | $687.0M | 38.61% | 7.64% | 0.05% |
| Q3 2025 | $715.0M | $655.6M | 38.76% | 8.23% | 0.04% |
| Q4 2025 | $719.1M | $670.8M | 37.87% | 8.51% | 0.05% |
| Q1 2026 | $718.4M | $651.9M | 39.19% | 8.24% | 0.04% |
| Q2 2026 | $726.5M | $680.7M | 39.10% | 8.97% | 0.04% |
The First Bank of Greenwich loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Greenwich, 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 The First Bank of Greenwich profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58307) · FFIEC NIC profile (RSSD 3466988)