Ives 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.57 percentage points higher than in Q1 2026, at 143.41%. Within Connecticut, Ives Bank is 4th of 27 on loan-to-deposit ratio, 105.34% as of Q2 2026, above the middle of the field. Ives Bank reported 105.34% on loan-to-deposit ratio for Q2 2026, 17.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.44B |
| Net loans and leases | $1.42B |
| Loans held for sale | $34.7M |
| Loans to total assets | 83.23% |
| Loan-to-deposit ratio | 105.34% |
| Net loans to equity capital | 6.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.38% |
| Multifamily (5+ residential) | 7.76% |
| Commercial and industrial | 5.44% |
| Consumer | 0.06% |
| 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) | 143.41% |
| Construction concentration (Tier 1 capital + allowance) | 25.41% |
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 | 5.62% |
| Interest income on loans | $20.0M |
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 | $1.26B | $1.11B | 22.82% | 5.65% | 0.05% |
| Q4 2023 | $1.31B | $1.16B | 22.39% | 5.66% | 0.05% |
| Q1 2024 | $1.33B | $1.14B | 21.78% | 6.06% | 0.05% |
| Q2 2024 | $1.36B | $1.15B | 21.83% | 6.06% | 0.05% |
| Q3 2024 | $1.36B | $1.20B | 21.95% | 5.82% | 0.05% |
| Q4 2024 | $1.37B | $1.27B | 21.69% | 5.66% | 0.06% |
| Q1 2025 | $1.37B | $1.26B | 22.18% | 5.71% | 0.05% |
| Q2 2025 | $1.38B | $1.27B | 21.82% | 5.93% | 0.05% |
| Q3 2025 | $1.40B | $1.28B | 22.16% | 5.89% | 0.06% |
| Q4 2025 | $1.40B | $1.35B | 22.10% | 5.97% | 0.06% |
| Q1 2026 | $1.41B | $1.35B | 22.45% | 5.55% | 0.06% |
| Q2 2026 | $1.44B | $1.37B | 22.38% | 5.44% | 0.06% |
Ives Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ives 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 Ives Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15912) · FFIEC NIC profile (RSSD 626101)