Liberty 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.
Loan-to-deposit ratio climbed 4.39 percentage points in Q2 2026, from 98.63% to 103.03%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank ranks 5th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 103.03% (Q2 2026). Liberty Bank reported 103.03% on loan-to-deposit ratio for Q2 2026, 14.83 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.34B |
| Net loans and leases | $7.25B |
| Loans held for sale | $0 |
| Loans to total assets | 78.23% |
| Loan-to-deposit ratio | 103.03% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.59% |
| Multifamily (5+ residential) | 20.29% |
| Commercial and industrial | 15.73% |
| Consumer | 2.57% |
| Credit cards | 0.56% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.07% |
| Construction concentration (Tier 1 capital + allowance) | 38.14% |
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 | 5.65% |
| Interest income on loans | $101.4M |
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 | $5.57B | $5.88B | 23.88% | 16.89% | 1.46% |
| Q4 2023 | $5.76B | $5.95B | 22.74% | 17.40% | 1.32% |
| Q1 2024 | $5.75B | $6.12B | 22.39% | 16.78% | 1.35% |
| Q2 2024 | $5.88B | $6.29B | 21.78% | 16.86% | 1.44% |
| Q3 2024 | $5.95B | $6.42B | 21.59% | 15.86% | 1.57% |
| Q4 2024 | $6.13B | $6.51B | 21.15% | 16.10% | 1.68% |
| Q1 2025 | $6.22B | $6.71B | 21.55% | 15.43% | 2.05% |
| Q2 2025 | $6.47B | $6.78B | 21.34% | 15.49% | 2.57% |
| Q3 2025 | $6.65B | $6.90B | 20.94% | 15.63% | 2.71% |
| Q4 2025 | $6.98B | $6.95B | 21.25% | 16.57% | 2.67% |
| Q1 2026 | $7.03B | $7.13B | 23.33% | 15.94% | 2.66% |
| Q2 2026 | $7.34B | $7.12B | 21.59% | 15.73% | 2.57% |
Liberty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17943) · FFIEC NIC profile (RSSD 587800)