First Federal Savings of Middletown: 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.
Construction concentration (tier 1 capital + allowance) dropped 3.37 percentage points in Q2 2026, from 47.61% to 44.24%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Savings of Middletown ranks 2nd highest among the 105 banks headquartered in New York, at 133.99% (Q2 2026). First Federal Savings of Middletown's loan-to-deposit ratio of 133.99% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 53.15 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.4M |
| Net loans and leases | $148.8M |
| Loans held for sale | $0 |
| Loans to total assets | 80.02% |
| Loan-to-deposit ratio | 133.99% |
| Net loans to equity capital | 2.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.39% |
| Multifamily (5+ residential) | 20.91% |
| Commercial and industrial | 1.51% |
| 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) | 195.20% |
| Construction concentration (Tier 1 capital + allowance) | 44.24% |
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 | 6.71% |
| Interest income on loans | $2.5M |
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 | $124.0M | $100.3M | 49.40% | 0.70% | 0.00% |
| Q4 2023 | $125.6M | $101.4M | 52.16% | 1.00% | 0.00% |
| Q1 2024 | $136.1M | $104.5M | 53.82% | 0.91% | 0.00% |
| Q2 2024 | $139.8M | $104.1M | 55.31% | 1.34% | 0.00% |
| Q3 2024 | $146.3M | $106.9M | 55.86% | 0.82% | 0.00% |
| Q4 2024 | $152.8M | $109.7M | 56.49% | 0.78% | 0.00% |
| Q1 2025 | $158.5M | $111.6M | 52.19% | 0.64% | 0.00% |
| Q2 2025 | $152.3M | $108.6M | 53.98% | 0.72% | 0.00% |
| Q3 2025 | $155.0M | $107.5M | 53.18% | 2.11% | 0.00% |
| Q4 2025 | $153.7M | $108.0M | 53.30% | 2.00% | 0.00% |
| Q1 2026 | $151.3M | $111.3M | 53.92% | 1.86% | 0.00% |
| Q2 2026 | $150.4M | $112.3M | 55.39% | 1.51% | 0.00% |
First Federal Savings of Middletown loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings of Middletown, 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 First Federal Savings of Middletown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28712) · FFIEC NIC profile (RSSD 565170)