Leader Bank, N.A.: 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.
Loans held for sale climbed 29.9% in Q2 2026, from $136.1M to $176.8M. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Leader Bank, N.A. is 22nd of 89 on loan-to-deposit ratio, 102.87% as of Q2 2026, above the middle of the field. Leader Bank, N.A. reported 102.87% on loan-to-deposit ratio for Q2 2026, 14.67 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.38B |
| Net loans and leases | $4.34B |
| Loans held for sale | $176.8M |
| Loans to total assets | 82.97% |
| Loan-to-deposit ratio | 102.87% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.05% |
| Multifamily (5+ residential) | 13.58% |
| Commercial and industrial | 1.00% |
| Consumer | 0.01% |
| 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) | 226.74% |
| Construction concentration (Tier 1 capital + allowance) | 26.05% |
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 | 5.56% |
| Interest income on loans | $58.6M |
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 | $3.38B | $3.51B | 23.34% | 0.79% | 3.87% |
| Q4 2023 | $3.44B | $3.66B | 22.65% | 1.30% | 4.50% |
| Q1 2024 | $3.51B | $3.71B | 22.65% | 1.38% | 5.15% |
| Q2 2024 | $3.68B | $3.68B | 21.33% | 1.34% | 6.93% |
| Q3 2024 | $3.74B | $3.66B | 21.03% | 1.44% | 8.35% |
| Q4 2024 | $3.79B | $3.68B | 20.79% | 0.94% | 10.24% |
| Q1 2025 | $3.87B | $4.00B | 20.42% | 0.98% | 0.01% |
| Q2 2025 | $3.98B | $4.15B | 19.27% | 0.91% | 0.01% |
| Q3 2025 | $4.09B | $4.16B | 18.73% | 0.93% | 0.01% |
| Q4 2025 | $4.15B | $3.91B | 18.55% | 1.24% | 0.01% |
| Q1 2026 | $4.18B | $4.04B | 18.87% | 1.16% | 0.01% |
| Q2 2026 | $4.38B | $4.26B | 18.05% | 1.00% | 0.01% |
Leader Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Leader Bank, N.A., 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 Leader Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57134) · FFIEC NIC profile (RSSD 3109146)