Ledyard National 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.
Cre concentration (tier 1 capital + allowance) climbed 7.66 percentage points in Q2 2026, from 255.30% to 262.96%. It was the largest change from Q1 2026 among the key lines here. Within Vermont, Ledyard National Bank is 9th of 12 on loan-to-deposit ratio, 84.22% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ledyard National Bank sits 3.98 points lower, at 84.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $736.4M |
| Net loans and leases | $731.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.72% |
| Loan-to-deposit ratio | 84.22% |
| Net loans to equity capital | 9.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.74% |
| Multifamily (5+ residential) | 8.02% |
| Commercial and industrial | 12.57% |
| Consumer | 2.70% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.96% |
| Construction concentration (Tier 1 capital + allowance) | 80.61% |
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 | 5.85% |
| Interest income on loans | $10.3M |
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 | $385.0M | $597.6M | 29.40% | 11.85% | 2.79% |
| Q4 2023 | $418.8M | $664.1M | 28.31% | 12.60% | 2.81% |
| Q1 2024 | $457.4M | $783.9M | 26.08% | 13.37% | 3.24% |
| Q2 2024 | $496.1M | $797.6M | 27.14% | 14.11% | 3.46% |
| Q3 2024 | $532.2M | $826.5M | 25.90% | 13.55% | 3.09% |
| Q4 2024 | $579.7M | $811.4M | 26.85% | 12.51% | 2.95% |
| Q1 2025 | $608.7M | $799.4M | 25.77% | 12.97% | 2.96% |
| Q2 2025 | $629.4M | $817.5M | 25.04% | 13.35% | 2.72% |
| Q3 2025 | $647.3M | $849.8M | 23.84% | 13.07% | 2.76% |
| Q4 2025 | $670.8M | $882.6M | 24.40% | 13.18% | 2.79% |
| Q1 2026 | $684.7M | $881.6M | 24.56% | 12.17% | 2.54% |
| Q2 2026 | $736.4M | $874.4M | 24.74% | 12.57% | 2.70% |
Ledyard National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ledyard National 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 Ledyard National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33418) · FFIEC NIC profile (RSSD 1863097)