Jewett City Savings 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): 21.58 percentage points higher than in Q1 2026, at 199.85%. Jewett City Savings Bank ranks 8th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 101.46% (Q2 2026). Jewett City Savings Bank reported 101.46% on loan-to-deposit ratio for Q2 2026, 20.62 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $406.4M |
| Net loans and leases | $402.5M |
| Loans held for sale | $0 |
| Loans to total assets | 82.30% |
| Loan-to-deposit ratio | 101.46% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.99% |
| Multifamily (5+ residential) | 9.85% |
| Commercial and industrial | 9.21% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.85% |
| Construction concentration (Tier 1 capital + allowance) | 49.04% |
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 | $6.1M |
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 | $321.2M | $335.3M | 26.97% | 15.70% | 0.40% |
| Q4 2023 | $330.4M | $347.4M | 28.08% | 14.49% | 0.35% |
| Q1 2024 | $344.0M | $348.1M | 29.10% | 13.57% | 0.29% |
| Q2 2024 | $352.1M | $349.0M | 29.06% | 14.23% | 0.25% |
| Q3 2024 | $352.4M | $356.6M | 30.22% | 12.22% | 0.22% |
| Q4 2024 | $361.3M | $360.9M | 30.44% | 11.69% | 0.16% |
| Q1 2025 | $362.8M | $367.4M | 31.67% | 10.98% | 0.13% |
| Q2 2025 | $377.5M | $378.4M | 30.49% | 10.93% | 0.09% |
| Q3 2025 | $391.0M | $383.4M | 33.91% | 9.74% | 0.07% |
| Q4 2025 | $391.5M | $390.9M | 35.20% | 9.74% | 0.06% |
| Q1 2026 | $391.2M | $389.7M | 35.74% | 9.28% | 0.05% |
| Q2 2026 | $406.4M | $400.6M | 34.99% | 9.21% | 0.03% |
Jewett City Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jewett City Savings 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 Jewett City Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18237) · FFIEC NIC profile (RSSD 820301)