First National Bank of Orwell: 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 CRE concentration (Tier 1 capital + allowance): 5.67 percentage points lower than in Q1 2026, at 36.21%. Within Vermont, First National Bank of Orwell is 8th of 12 on loan-to-deposit ratio, 84.49% as of Q2 2026, below the middle of the field. First National Bank of Orwell reported 84.49% on loan-to-deposit ratio for Q2 2026, 16.87 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.0M |
| Net loans and leases | $67.1M |
| Loans held for sale | $0 |
| Loans to total assets | 74.36% |
| Loan-to-deposit ratio | 84.49% |
| Net loans to equity capital | 6.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.08% |
| Consumer | 1.53% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.21% |
| Construction concentration (Tier 1 capital + allowance) | 32.22% |
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 | 7.09% |
| Interest income on loans | $1.2M |
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 | $66.7M | $71.5M | 2.78% | 5.05% | 2.42% |
| Q4 2023 | $67.9M | $68.9M | 2.50% | 4.91% | 3.17% |
| Q1 2024 | $67.3M | $68.2M | 2.27% | 6.62% | 2.33% |
| Q2 2024 | $68.6M | $71.1M | 2.02% | 6.30% | 2.29% |
| Q3 2024 | $70.7M | $75.6M | 2.14% | 5.65% | 2.08% |
| Q4 2024 | $70.9M | $77.4M | 2.02% | 5.48% | 2.02% |
| Q1 2025 | $71.7M | $77.8M | 1.88% | 5.13% | 1.95% |
| Q2 2025 | $73.1M | $77.3M | 1.81% | 5.33% | 1.79% |
| Q3 2025 | $72.4M | $79.6M | 1.67% | 4.89% | 1.84% |
| Q4 2025 | $73.6M | $76.9M | 1.57% | 3.90% | 1.72% |
| Q1 2026 | $68.8M | $79.5M | 1.59% | 4.06% | 1.56% |
| Q2 2026 | $68.0M | $80.5M | 1.03% | 4.08% | 1.53% |
First National Bank of Orwell loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Orwell, 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 National Bank of Orwell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6280) · FFIEC NIC profile (RSSD 177500)