Geddes Federal Savings and Loan Association: 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.
Loan-to-deposit ratio dropped 3.36 percentage points in Q2 2026, from 116.78% to 113.42%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, Geddes Federal Savings and Loan Association sits 9th from the top on loan-to-deposit ratio, 113.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Geddes Federal Savings and Loan Association sits 32.58 points higher, at 113.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $580.8M |
| Net loans and leases | $579.6M |
| Loans held for sale | $0 |
| Loans to total assets | 84.69% |
| Loan-to-deposit ratio | 113.42% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.05% |
| 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) | 1.38% |
| Construction concentration (Tier 1 capital + allowance) | 1.26% |
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 | 4.59% |
| Interest income on loans | $6.6M |
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 | $544.3M | $433.1M | 0.04% | 0.00% | 0.03% |
| Q4 2023 | $543.4M | $450.2M | 0.04% | 0.00% | 0.04% |
| Q1 2024 | $537.6M | $458.2M | 0.04% | 0.00% | 0.08% |
| Q2 2024 | $534.7M | $471.2M | 0.04% | 0.00% | 0.03% |
| Q3 2024 | $545.4M | $464.4M | 0.04% | 0.00% | 0.04% |
| Q4 2024 | $550.7M | $468.3M | 0.04% | 0.00% | 0.05% |
| Q1 2025 | $557.0M | $470.7M | 0.03% | 0.00% | 0.04% |
| Q2 2025 | $560.1M | $477.4M | 0.03% | 0.00% | 0.05% |
| Q3 2025 | $564.4M | $478.0M | 0.03% | 0.00% | 0.05% |
| Q4 2025 | $572.7M | $490.1M | 0.03% | 0.00% | 0.05% |
| Q1 2026 | $581.1M | $497.6M | 0.03% | 0.00% | 0.05% |
| Q2 2026 | $580.8M | $512.0M | 0.03% | 0.00% | 0.05% |
Geddes Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Geddes Federal Savings and Loan Association, 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 Geddes Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30397) · FFIEC NIC profile (RSSD 451273)