Jarrettsville Federal Savings and Loan Association: 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.
Commercial real estate (nonfarm nonresidential) rose 0.56 percentage points from Q1 2026 to Q2 2026, ending at 26.94% against 26.38%. It was the largest change among the key lines on this page. Within Maryland, Jarrettsville Federal Savings and Loan Association is 21st of 27 on loan-to-deposit ratio, 80.12% as of Q2 2026, below the middle of the field. At 80.12%, Jarrettsville Federal Savings and Loan Association's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.9M |
| Net loans and leases | $116.7M |
| Loans held for sale | $0 |
| Loans to total assets | 70.55% |
| Loan-to-deposit ratio | 80.12% |
| Net loans to equity capital | 6.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.94% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 6.75% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 2.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.27% |
| Construction concentration (Tier 1 capital + allowance) | 17.35% |
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 | — |
| Interest income on loans | $1.6M |
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 | $96.6M | $129.4M | 21.55% | 6.15% | 0.17% |
| Q4 2023 | $99.6M | $131.3M | 21.46% | 6.04% | 0.16% |
| Q1 2024 | $104.2M | $136.5M | 22.67% | 5.23% | 0.15% |
| Q2 2024 | $105.8M | $138.2M | 23.23% | 5.84% | 0.14% |
| Q3 2024 | $108.1M | $136.4M | 25.07% | 6.34% | 0.13% |
| Q4 2024 | $107.9M | $142.6M | 24.35% | 6.80% | 0.12% |
| Q1 2025 | $109.8M | $143.9M | 26.04% | 5.94% | 0.11% |
| Q2 2025 | $112.4M | $144.5M | 26.61% | 6.18% | 0.10% |
| Q3 2025 | $111.2M | $142.7M | 26.69% | 6.76% | 0.21% |
| Q4 2025 | $112.4M | $145.1M | 25.35% | 6.82% | 0.25% |
| Q1 2026 | $116.1M | $145.2M | 26.38% | 7.22% | 0.21% |
| Q2 2026 | $117.9M | $147.1M | 26.94% | 6.75% | 0.23% |
Jarrettsville Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jarrettsville Federal Savings and Loan Association, 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 Jarrettsville Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31083) · FFIEC NIC profile (RSSD 613978)