Mutualone 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.
Cre concentration (tier 1 capital + allowance) dropped 10.43 percentage points in Q2 2026, from 141.33% to 130.90%. It was the largest change from Q1 2026 among the key lines here. Mutualone Bank ranks 36th of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 96.25% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Mutualone Bank sits 8.05 points higher, at 96.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $889.8M |
| Net loans and leases | $863.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.07% |
| Loan-to-deposit ratio | 96.25% |
| Net loans to equity capital | 3.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.28% |
| Multifamily (5+ residential) | 13.56% |
| Commercial and industrial | 12.72% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 0.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.90% |
| Construction concentration (Tier 1 capital + allowance) | 37.26% |
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 | 6.17% |
| Interest income on loans | $14.2M |
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 | $1.13B | $898.1M | 23.37% | 27.34% | 2.89% |
| Q4 2023 | $1.13B | $877.2M | 23.75% | 26.53% | 2.67% |
| Q1 2024 | $1.13B | $890.1M | 23.71% | 26.48% | 2.45% |
| Q2 2024 | $1.10B | $892.3M | 25.00% | 25.72% | 2.23% |
| Q3 2024 | $1.09B | $871.8M | 23.94% | 26.90% | 2.30% |
| Q4 2024 | $1.11B | $869.9M | 23.65% | 26.55% | 3.32% |
| Q1 2025 | $1.10B | $894.2M | 23.89% | 25.87% | 3.30% |
| Q2 2025 | $1.08B | $853.8M | 23.78% | 25.92% | 3.08% |
| Q3 2025 | $1.03B | $863.5M | 23.74% | 26.52% | 2.90% |
| Q4 2025 | $977.6M | $936.1M | 24.18% | 26.12% | 2.73% |
| Q1 2026 | $925.0M | $968.3M | 25.90% | 14.17% | 2.43% |
| Q2 2026 | $889.8M | $924.5M | 26.28% | 12.72% | 1.61% |
Mutualone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutualone 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 Mutualone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26395) · FFIEC NIC profile (RSSD 154770)