Five Rivers Bank: 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.
Total loans and leases climbed 489.5% in Q2 2026, from $3.2M to $19.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Five Rivers Bank is 5th from the bottom among 49 New Jersey banks, 38.17% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Five Rivers Bank sits 29.15 points lower, at 38.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.0M |
| Net loans and leases | $18.8M |
| Loans held for sale | $0 |
| Loans to total assets | 24.31% |
| Loan-to-deposit ratio | 38.17% |
| Net loans to equity capital | 0.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.33% |
| Multifamily (5+ residential) | 38.45% |
| Commercial and industrial | 0.00% |
| Consumer | 0.20% |
| 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) | 52.22% |
| Construction concentration (Tier 1 capital + allowance) | 1.92% |
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 | 6.76% |
| Interest income on loans | $159K |
Loan Portfolio trend
Last 5 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 |
|---|---|---|---|---|---|
| Q2 2025 | $0 | $0 | — | — | — |
| Q3 2025 | $0 | $57K | — | — | — |
| Q4 2025 | $1.4M | $3.9M | 100.00% | 0.00% | 0.00% |
| Q1 2026 | $3.2M | $8.6M | 100.00% | 0.00% | 0.00% |
| Q2 2026 | $19.0M | $49.8M | 58.33% | 0.00% | 0.20% |
Five Rivers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Rivers Bank, 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 Five Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59345) · FFIEC NIC profile (RSSD 5882500)