Meredith Village Savings 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.
The standout move of Q2 2026 was in Loans held for sale: 65.2% lower than in Q1 2026, at $1.0M. On loan-to-deposit ratio, Meredith Village Savings Bank ranks 2nd highest among the 16 banks headquartered in New Hampshire, at 107.05% (Q2 2026). Meredith Village Savings Bank reported 107.05% on loan-to-deposit ratio for Q2 2026, 18.85 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.45B |
| Net loans and leases | $1.43B |
| Loans held for sale | $1.0M |
| Loans to total assets | 87.88% |
| Loan-to-deposit ratio | 107.05% |
| Net loans to equity capital | 9.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.95% |
| Multifamily (5+ residential) | 1.73% |
| Commercial and industrial | 2.74% |
| Consumer | 10.21% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.88% |
| Construction concentration (Tier 1 capital + allowance) | 35.04% |
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 | 5.18% |
| Interest income on loans | $18.5M |
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 | $1.47B | $1.20B | 13.96% | 3.67% | 13.33% |
| Q4 2023 | $1.48B | $1.19B | 14.24% | 3.57% | 12.87% |
| Q1 2024 | $1.49B | $1.18B | 14.37% | 3.63% | 12.30% |
| Q2 2024 | $1.46B | $1.19B | 14.46% | 2.89% | 12.15% |
| Q3 2024 | $1.44B | $1.20B | 14.19% | 2.78% | 11.91% |
| Q4 2024 | $1.42B | $1.22B | 15.04% | 2.73% | 11.61% |
| Q1 2025 | $1.40B | $1.30B | 15.74% | 2.86% | 11.33% |
| Q2 2025 | $1.39B | $1.32B | 15.86% | 2.98% | 11.18% |
| Q3 2025 | $1.40B | $1.33B | 16.03% | 2.92% | 10.96% |
| Q4 2025 | $1.42B | $1.31B | 15.91% | 2.88% | 10.54% |
| Q1 2026 | $1.42B | $1.33B | 16.24% | 2.71% | 10.45% |
| Q2 2026 | $1.45B | $1.35B | 15.95% | 2.74% | 10.21% |
Meredith Village Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Meredith Village Savings 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 Meredith Village Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17180) · FFIEC NIC profile (RSSD 576608)