Katahdin Trust Company: 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): 15.65 percentage points higher than in Q1 2026, at 297.25%. Katahdin Trust Company ranks 15th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 96.36% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Katahdin Trust Company sits 8.16 points higher, at 96.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $930.7M |
| Net loans and leases | $921.7M |
| Loans held for sale | $0 |
| Loans to total assets | 80.36% |
| Loan-to-deposit ratio | 96.36% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.80% |
| Multifamily (5+ residential) | 11.63% |
| Commercial and industrial | 17.21% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 297.25% |
| Construction concentration (Tier 1 capital + allowance) | 8.22% |
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 | 5.99% |
| Interest income on loans | $13.5M |
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 | $791.8M | $892.1M | 37.00% | 17.85% | 0.69% |
| Q4 2023 | $799.1M | $895.1M | 36.22% | 18.12% | 0.68% |
| Q1 2024 | $797.8M | $876.9M | 35.46% | 18.71% | 0.65% |
| Q2 2024 | $815.6M | $862.1M | 36.13% | 19.16% | 0.62% |
| Q3 2024 | $818.2M | $887.0M | 35.25% | 19.89% | 0.58% |
| Q4 2024 | $824.8M | $931.5M | 35.01% | 19.76% | 0.55% |
| Q1 2025 | $853.3M | $929.9M | 36.17% | 19.36% | 0.51% |
| Q2 2025 | $846.7M | $934.9M | 35.94% | 18.51% | 0.49% |
| Q3 2025 | $850.9M | $937.9M | 35.18% | 18.26% | 0.49% |
| Q4 2025 | $868.2M | $962.7M | 37.11% | 17.66% | 0.45% |
| Q1 2026 | $883.4M | $953.2M | 37.66% | 17.52% | 0.42% |
| Q2 2026 | $930.7M | $965.9M | 37.80% | 17.21% | 0.38% |
Katahdin Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Katahdin Trust Company, 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 Katahdin Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12874) · FFIEC NIC profile (RSSD 327305)