Middlesex 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.
Loans held for sale dropped 100.0% in Q2 2026, from $1.8M to $0. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Middlesex Savings Bank is 8th from the bottom among 89 Massachusetts banks, 73.19% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Middlesex Savings Bank sits 15.01 points lower, at 73.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.79B |
| Net loans and leases | $3.75B |
| Loans held for sale | $0 |
| Loans to total assets | 61.61% |
| Loan-to-deposit ratio | 73.19% |
| Net loans to equity capital | 4.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.42% |
| Multifamily (5+ residential) | 5.26% |
| Commercial and industrial | 5.15% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.19% |
| Construction concentration (Tier 1 capital + allowance) | 31.45% |
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 | 5.07% |
| Interest income on loans | $47.0M |
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 | $3.79B | $4.88B | 32.17% | 7.90% | 0.21% |
| Q4 2023 | $3.76B | $4.92B | 32.36% | 7.08% | 0.22% |
| Q1 2024 | $3.74B | $4.98B | 32.56% | 7.08% | 0.25% |
| Q2 2024 | $3.69B | $5.05B | 32.74% | 6.65% | 0.34% |
| Q3 2024 | $3.65B | $5.15B | 32.82% | 6.51% | 0.39% |
| Q4 2024 | $3.62B | $5.23B | 33.03% | 6.07% | 0.44% |
| Q1 2025 | $3.57B | $5.28B | 31.41% | 5.70% | 0.49% |
| Q2 2025 | $3.56B | $5.23B | 38.64% | 5.21% | 0.58% |
| Q3 2025 | $3.58B | $5.22B | 40.97% | 4.76% | 0.67% |
| Q4 2025 | $3.66B | $5.23B | 40.20% | 4.94% | 0.76% |
| Q1 2026 | $3.71B | $5.21B | 38.99% | 5.29% | 0.74% |
| Q2 2026 | $3.79B | $5.18B | 38.42% | 5.15% | 0.82% |
Middlesex Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Middlesex 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 Middlesex Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90183) · FFIEC NIC profile (RSSD 888002)