Liberty Bank of New Jersey: 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): 6.37 percentage points higher than in Q1 2026, at 6.37%. On loan-to-deposit ratio, Liberty Bank of New Jersey is 2nd from the bottom among 49 New Jersey banks, 5.11% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Liberty Bank of New Jersey reported 5.11% on loan-to-deposit ratio in Q2 2026, 75.73 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.0M |
| Net loans and leases | $3.0M |
| Loans held for sale | $0 |
| Loans to total assets | 2.79% |
| Loan-to-deposit ratio | 5.11% |
| Net loans to equity capital | 0.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 100.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| 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) | 6.37% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 0.00% |
| Interest income on loans | $0 |
Loan Portfolio trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | CRE to capital | Construction and development to capital |
|---|---|---|---|---|
| Q1 2026 | $0 | $21.5M | 0.00% | 0.00% |
| Q2 2026 | $3.0M | $58.7M | 6.37% | 0.00% |
Liberty Bank of New Jersey loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank of New Jersey, 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 of New Jersey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59369) · FFIEC NIC profile (RSSD 6095071)