Hanover Community 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.
Loans held for sale dropped 82.0% in Q2 2026, from $16.3M to $2.9M. It was the largest change from Q1 2026 among the key lines here. Hanover Community Bank ranks 18th of 105 New York banks on loan-to-deposit ratio, in the upper half at 99.39% (Q2 2026). Hanover Community Bank reported 99.39% on loan-to-deposit ratio for Q2 2026, 11.19 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.00B |
| Net loans and leases | $1.98B |
| Loans held for sale | $2.9M |
| Loans to total assets | 85.69% |
| Loan-to-deposit ratio | 99.39% |
| Net loans to equity capital | 8.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.33% |
| Multifamily (5+ residential) | 28.28% |
| Commercial and industrial | 7.52% |
| Consumer | 0.02% |
| 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) | 346.89% |
| Construction concentration (Tier 1 capital + allowance) | 4.37% |
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 | 5.94% |
| Interest income on loans | $29.8M |
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 | $1.87B | $1.74B | 28.66% | 4.67% | 0.02% |
| Q4 2023 | $1.97B | $1.90B | 28.14% | 5.66% | 0.02% |
| Q1 2024 | $2.01B | $1.92B | 27.33% | 6.33% | 0.02% |
| Q2 2024 | $2.02B | $1.94B | 27.07% | 6.95% | 0.02% |
| Q3 2024 | $2.02B | $1.96B | 26.01% | 8.80% | 0.02% |
| Q4 2024 | $2.00B | $1.96B | 26.51% | 8.66% | 0.03% |
| Q1 2025 | $1.98B | $1.94B | 26.10% | 8.87% | 0.02% |
| Q2 2025 | $1.98B | $1.95B | 27.01% | 7.61% | 0.02% |
| Q3 2025 | $2.00B | $1.98B | 26.65% | 8.13% | 0.02% |
| Q4 2025 | $2.01B | $2.03B | 26.18% | 7.25% | 0.02% |
| Q1 2026 | $2.01B | $2.05B | 25.85% | 7.36% | 0.02% |
| Q2 2026 | $2.00B | $2.01B | 25.33% | 7.52% | 0.02% |
Hanover Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hanover Community 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 Hanover Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58675) · FFIEC NIC profile (RSSD 3793714)