Global 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.
Loan-to-deposit ratio climbed 5.85 percentage points in Q2 2026, from 110.86% to 116.71%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, Global Bank sits 8th from the top on loan-to-deposit ratio, 116.71% as of Q2 2026. Global Bank reported 116.71% on loan-to-deposit ratio for Q2 2026, 35.87 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $248.3M |
| Net loans and leases | $245.8M |
| Loans held for sale | $12.9M |
| Loans to total assets | 81.61% |
| Loan-to-deposit ratio | 116.71% |
| Net loans to equity capital | 6.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.97% |
| Multifamily (5+ residential) | 8.79% |
| Commercial and industrial | 0.51% |
| Consumer | 0.00% |
| 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) | 280.03% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.42% |
| Interest income on loans | $3.9M |
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 | $215.9M | $190.5M | 68.96% | 1.28% | 0.00% |
| Q4 2023 | $214.2M | $184.4M | 68.35% | 1.27% | 0.00% |
| Q1 2024 | $207.7M | $180.3M | 68.59% | 1.34% | 0.00% |
| Q2 2024 | $205.2M | $180.9M | 68.20% | 1.33% | 0.00% |
| Q3 2024 | $217.2M | $187.9M | 69.95% | 1.22% | 0.00% |
| Q4 2024 | $206.3M | $198.3M | 68.84% | 0.87% | 0.00% |
| Q1 2025 | $213.4M | $197.9M | 68.15% | 0.86% | 0.00% |
| Q2 2025 | $227.6M | $199.5M | 64.30% | 0.89% | 0.00% |
| Q3 2025 | $226.1M | $199.4M | 62.60% | 0.64% | 0.00% |
| Q4 2025 | $222.2M | $203.8M | 60.74% | 0.70% | 0.00% |
| Q1 2026 | $226.1M | $203.9M | 55.03% | 0.57% | 0.00% |
| Q2 2026 | $248.3M | $212.8M | 50.97% | 0.51% | 0.00% |
Global Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Global 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 Global Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58263) · FFIEC NIC profile (RSSD 3561771)