ION 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) dropped 17.93 percentage points in Q2 2026, from 260.80% to 242.87%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, ION Bank is 19th of 27 on loan-to-deposit ratio, 88.30% as of Q2 2026, below the middle of the field. At 88.30%, ION Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.01B |
| Net loans and leases | $1.99B |
| Loans held for sale | $0 |
| Loans to total assets | 72.27% |
| Loan-to-deposit ratio | 88.30% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.94% |
| Multifamily (5+ residential) | 15.10% |
| Commercial and industrial | 9.36% |
| Consumer | 9.88% |
| 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) | 242.87% |
| Construction concentration (Tier 1 capital + allowance) | 27.97% |
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 | 6.02% |
| Interest income on loans | $30.5M |
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 | $1.52B | $1.74B | 27.23% | 14.47% | 12.31% |
| Q4 2023 | $1.55B | $1.78B | 27.86% | 13.32% | 11.85% |
| Q1 2024 | $1.54B | $1.76B | 27.79% | 13.25% | 11.15% |
| Q2 2024 | $1.57B | $1.80B | 27.06% | 13.16% | 10.92% |
| Q3 2024 | $1.59B | $1.79B | 27.10% | 12.47% | 11.04% |
| Q4 2024 | $1.63B | $1.80B | 26.51% | 11.17% | 11.16% |
| Q1 2025 | $1.67B | $1.85B | 26.63% | 11.21% | 11.75% |
| Q2 2025 | $2.03B | $2.28B | 29.55% | 9.20% | 10.00% |
| Q3 2025 | $2.06B | $2.26B | 29.40% | 9.16% | 9.70% |
| Q4 2025 | $2.05B | $2.23B | 29.38% | 8.94% | 9.45% |
| Q1 2026 | $2.05B | $2.26B | 30.55% | 9.17% | 9.74% |
| Q2 2026 | $2.01B | $2.28B | 30.94% | 9.36% | 9.88% |
ION Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock ION 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 ION Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18198) · FFIEC NIC profile (RSSD 407506)