Florence 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.
Cre concentration (tier 1 capital + allowance) climbed 4.27 percentage points in Q2 2026, from 151.57% to 155.84%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Florence Bank is 7th from the bottom among 89 Massachusetts banks, 71.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Florence Bank sits 16.72 points lower, at 71.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.28B |
| Net loans and leases | $1.27B |
| Loans held for sale | $0 |
| Loans to total assets | 63.35% |
| Loan-to-deposit ratio | 71.48% |
| Net loans to equity capital | 5.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.22% |
| Multifamily (5+ residential) | 5.07% |
| Commercial and industrial | 3.05% |
| Consumer | 0.01% |
| 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) | 155.84% |
| Construction concentration (Tier 1 capital + allowance) | 11.52% |
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 | 4.83% |
| Interest income on loans | $15.2M |
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 | $1.12B | $1.66B | 26.19% | 2.14% | 0.02% |
| Q4 2023 | $1.14B | $1.64B | 26.27% | 2.02% | 0.02% |
| Q1 2024 | $1.15B | $1.66B | 27.04% | 2.47% | 0.01% |
| Q2 2024 | $1.16B | $1.65B | 26.79% | 2.79% | 0.01% |
| Q3 2024 | $1.17B | $1.65B | 26.99% | 2.78% | 0.01% |
| Q4 2024 | $1.19B | $1.69B | 27.84% | 2.95% | 0.01% |
| Q1 2025 | $1.19B | $1.71B | 27.69% | 2.84% | 0.01% |
| Q2 2025 | $1.20B | $1.68B | 27.53% | 3.03% | 0.01% |
| Q3 2025 | $1.22B | $1.69B | 28.58% | 2.95% | 0.01% |
| Q4 2025 | $1.24B | $1.75B | 29.09% | 2.87% | 0.01% |
| Q1 2026 | $1.25B | $1.78B | 29.60% | 2.88% | 0.01% |
| Q2 2026 | $1.28B | $1.79B | 30.22% | 3.05% | 0.01% |
Florence Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Florence 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 Florence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23293) · FFIEC NIC profile (RSSD 279105)