The First National Bank of Groton: 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: 3.03 percentage points higher than in Q1 2026, at 60.44%. Within New York, The First National Bank of Groton is 88th of 105 on loan-to-deposit ratio, 60.44% 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 Groton sits 20.40 points lower, at 60.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $105.9M |
| Net loans and leases | $104.5M |
| Loans held for sale | $0 |
| Loans to total assets | 51.92% |
| Loan-to-deposit ratio | 60.44% |
| Net loans to equity capital | 3.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.55% |
| Multifamily (5+ residential) | 1.54% |
| Commercial and industrial | 8.97% |
| Consumer | 13.75% |
| Credit cards | 0.65% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.60% |
| Construction concentration (Tier 1 capital + allowance) | 22.14% |
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 | 6.67% |
| Interest income on loans | $1.8M |
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 | $95.4M | $186.5M | 5.80% | 10.49% | 16.90% |
| Q4 2023 | $95.5M | $176.8M | 5.93% | 9.94% | 16.50% |
| Q1 2024 | $96.5M | $179.2M | 5.78% | 10.20% | 16.31% |
| Q2 2024 | $97.4M | $169.9M | 6.02% | 9.62% | 16.58% |
| Q3 2024 | $98.4M | $168.5M | 6.05% | 8.88% | 16.50% |
| Q4 2024 | $100.3M | $174.7M | 5.86% | 9.25% | 15.59% |
| Q1 2025 | $101.1M | $183.6M | 6.52% | 9.22% | 15.40% |
| Q2 2025 | $102.0M | $171.4M | 6.73% | 8.65% | 15.31% |
| Q3 2025 | $103.5M | $173.1M | 6.35% | 8.36% | 15.26% |
| Q4 2025 | $106.9M | $173.9M | 6.58% | 9.34% | 14.25% |
| Q1 2026 | $105.9M | $184.4M | 6.59% | 8.89% | 14.04% |
| Q2 2026 | $105.9M | $175.1M | 6.55% | 8.97% | 13.75% |
The First National Bank of Groton 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 Groton, 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 Groton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7085) · FFIEC NIC profile (RSSD 917500)