The First National Bank of Dryden: 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 3.49 percentage points in Q2 2026, from 9.23% to 5.74%. It was the largest change from Q1 2026 among the key lines here. Within New York, The First National Bank of Dryden is 89th of 105 on loan-to-deposit ratio, 56.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Dryden sits 23.96 points lower, at 56.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.1M |
| Net loans and leases | $100.6M |
| Loans held for sale | $0 |
| Loans to total assets | 50.09% |
| Loan-to-deposit ratio | 56.88% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.67% |
| Multifamily (5+ residential) | 5.16% |
| Commercial and industrial | 12.23% |
| Consumer | 17.31% |
| Credit cards | 0.39% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.16% |
| Construction concentration (Tier 1 capital + allowance) | 5.74% |
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 | 6.65% |
| Interest income on loans | $1.7M |
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 | $77.2M | $207.3M | 7.24% | 12.07% | 18.89% |
| Q4 2023 | $82.8M | $193.8M | 7.48% | 12.83% | 18.64% |
| Q1 2024 | $85.0M | $210.7M | 7.06% | 12.13% | 19.51% |
| Q2 2024 | $87.1M | $202.5M | 7.36% | 12.15% | 19.73% |
| Q3 2024 | $89.9M | $195.5M | 6.91% | 11.98% | 19.26% |
| Q4 2024 | $92.1M | $186.9M | 6.47% | 12.18% | 19.79% |
| Q1 2025 | $93.0M | $194.0M | 7.06% | 12.14% | 19.32% |
| Q2 2025 | $95.4M | $190.7M | 7.43% | 12.01% | 19.16% |
| Q3 2025 | $98.3M | $190.4M | 7.13% | 12.27% | 18.88% |
| Q4 2025 | $100.4M | $179.8M | 6.56% | 12.56% | 18.37% |
| Q1 2026 | $101.4M | $187.6M | 6.78% | 12.54% | 17.73% |
| Q2 2026 | $102.1M | $179.6M | 6.67% | 12.23% | 17.31% |
The First National Bank of Dryden loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Dryden, 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 National Bank of Dryden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7031) · FFIEC NIC profile (RSSD 241009)