Grasshopper Bank, N.A.: 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): 6.96 percentage points higher than in Q1 2026, at 216.20%. Within New York, Grasshopper Bank, N.A. is 58th of 105 on loan-to-deposit ratio, 83.69% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Grasshopper Bank, N.A. sits 4.51 points lower, at 83.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.20B |
| Net loans and leases | $1.19B |
| Loans held for sale | $0 |
| Loans to total assets | 74.98% |
| Loan-to-deposit ratio | 83.69% |
| Net loans to equity capital | 8.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 23.45% |
| Consumer | 21.26% |
| 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) | 216.20% |
| 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 | 6.66% |
| Interest income on loans | $20.1M |
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 | $503.0M | $633.0M | 35.06% | 24.83% | 19.77% |
| Q4 2023 | $518.9M | $665.8M | 35.83% | 24.26% | 20.20% |
| Q1 2024 | $623.8M | $752.6M | 35.62% | 23.28% | 18.01% |
| Q2 2024 | $617.7M | $769.7M | 33.27% | 25.50% | 17.21% |
| Q3 2024 | $635.6M | $802.6M | 33.52% | 23.05% | 16.57% |
| Q4 2024 | $643.9M | $801.9M | 35.05% | 23.20% | 16.21% |
| Q1 2025 | $705.6M | $840.4M | 34.71% | 28.13% | 14.20% |
| Q2 2025 | $961.9M | $1.19B | 27.16% | 22.02% | 21.28% |
| Q3 2025 | $1.04B | $1.27B | 30.07% | 22.05% | 21.91% |
| Q4 2025 | $1.11B | $1.42B | 32.14% | 22.82% | 21.12% |
| Q1 2026 | $1.18B | $1.37B | 34.03% | 23.27% | 20.71% |
| Q2 2026 | $1.20B | $1.44B | 34.57% | 23.45% | 21.26% |
Grasshopper Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grasshopper Bank, N.A., 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 Grasshopper Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59113) · FFIEC NIC profile (RSSD 5210989)