Massena Savings and Loan: 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) dropped 2.67 percentage points in Q2 2026, from 24.44% to 21.78%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, Massena Savings and Loan sits 7th from the top on loan-to-deposit ratio, 122.53% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Massena Savings and Loan reported 122.53% on loan-to-deposit ratio in Q2 2026, 41.69 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.5M |
| Net loans and leases | $180.3M |
| Loans held for sale | $0 |
| Loans to total assets | 90.83% |
| Loan-to-deposit ratio | 122.53% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.83% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 0.47% |
| Consumer | 10.39% |
| 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) | 21.78% |
| Construction concentration (Tier 1 capital + allowance) | 13.21% |
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 | 6.18% |
| Interest income on loans | $2.8M |
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 | $163.9M | $128.5M | 1.97% | 1.13% | 10.74% |
| Q4 2023 | $164.9M | $133.0M | 1.89% | 1.05% | 10.93% |
| Q1 2024 | $164.2M | $134.2M | 1.59% | 0.97% | 10.90% |
| Q2 2024 | $165.5M | $136.8M | 1.39% | 0.96% | 10.89% |
| Q3 2024 | $168.1M | $140.4M | 1.39% | 0.95% | 10.95% |
| Q4 2024 | $168.9M | $142.8M | 1.34% | 0.93% | 10.86% |
| Q1 2025 | $169.2M | $146.0M | 1.30% | 0.82% | 10.96% |
| Q2 2025 | $170.7M | $147.1M | 1.05% | 0.72% | 11.14% |
| Q3 2025 | $177.6M | $146.1M | 0.98% | 0.62% | 11.09% |
| Q4 2025 | $181.2M | $147.3M | 1.75% | 0.45% | 10.86% |
| Q1 2026 | $181.5M | $149.5M | 1.85% | 0.52% | 10.51% |
| Q2 2026 | $181.5M | $148.2M | 1.83% | 0.47% | 10.39% |
Massena Savings and Loan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Massena Savings and Loan, 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 Massena Savings and Loan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30429) · FFIEC NIC profile (RSSD 454975)