Methuen Co-Operative 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.
Construction concentration (tier 1 capital + allowance) climbed 10.76 percentage points in Q2 2026, from 25.23% to 36.00%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Methuen Co-Operative Bank is 72nd of 89 on loan-to-deposit ratio, 84.11% as of Q2 2026, below the middle of the field. Methuen Co-Operative Bank reported 84.11% on loan-to-deposit ratio for Q2 2026, 3.27 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $107.3M |
| Net loans and leases | $106.9M |
| Loans held for sale | $0 |
| Loans to total assets | 75.95% |
| Loan-to-deposit ratio | 84.11% |
| Net loans to equity capital | 8.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.24% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 4.53% |
| Consumer | 0.69% |
| 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) | 91.47% |
| Construction concentration (Tier 1 capital + allowance) | 36.00% |
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 | — |
| Interest income on loans | $1.4M |
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 | $93.8M | $120.1M | 15.07% | 3.53% | 1.11% |
| Q4 2023 | $97.6M | $122.0M | 15.50% | 4.04% | 1.35% |
| Q1 2024 | $100.2M | $120.9M | 16.72% | 2.99% | 1.36% |
| Q2 2024 | $104.6M | $124.5M | 18.57% | 3.84% | 1.29% |
| Q3 2024 | $101.9M | $129.2M | 18.75% | 3.71% | 1.02% |
| Q4 2024 | $104.0M | $124.5M | 18.89% | 3.89% | 0.96% |
| Q1 2025 | $103.9M | $124.5M | 19.07% | 4.07% | 0.87% |
| Q2 2025 | $104.5M | $125.9M | 18.85% | 4.69% | 0.89% |
| Q3 2025 | $105.7M | $127.8M | 18.69% | 5.07% | 0.83% |
| Q4 2025 | $103.8M | $125.1M | 19.88% | 5.46% | 0.89% |
| Q1 2026 | $104.7M | $129.7M | 19.38% | 5.14% | 0.79% |
| Q2 2026 | $107.3M | $127.6M | 18.24% | 4.53% | 0.69% |
Methuen Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Methuen Co-Operative 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 Methuen Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26512) · FFIEC NIC profile (RSSD 157379)