National Grand Bank of Marblehead: 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 CRE concentration (Tier 1 capital + allowance): 3.65 percentage points lower than in Q1 2026, at 9.15%. National Grand Bank of Marblehead ranks 57th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 90.50% (Q2 2026). National Grand Bank of Marblehead reported 90.50% on loan-to-deposit ratio for Q2 2026, 9.55 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $331.0M |
| Net loans and leases | $329.9M |
| Loans held for sale | $0 |
| Loans to total assets | 74.42% |
| Loan-to-deposit ratio | 90.50% |
| Net loans to equity capital | 7.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.86% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.01% |
| Consumer | 0.54% |
| 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) | 9.15% |
| Construction concentration (Tier 1 capital + allowance) | 1.97% |
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 | 4.49% |
| Interest income on loans | $3.7M |
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 | $311.1M | $358.7M | 3.80% | 0.87% | 0.55% |
| Q4 2023 | $309.7M | $354.9M | 3.87% | 0.80% | 0.53% |
| Q1 2024 | $309.5M | $353.7M | 3.21% | 0.89% | 0.54% |
| Q2 2024 | $315.8M | $352.7M | 3.19% | 0.92% | 0.52% |
| Q3 2024 | $316.7M | $360.7M | 3.00% | 0.86% | 0.56% |
| Q4 2024 | $319.0M | $372.2M | 3.07% | 0.75% | 0.58% |
| Q1 2025 | $322.6M | $373.8M | 3.38% | 0.93% | 0.58% |
| Q2 2025 | $321.3M | $367.1M | 3.15% | 0.95% | 0.56% |
| Q3 2025 | $323.9M | $374.5M | 3.40% | 0.87% | 0.74% |
| Q4 2025 | $324.2M | $369.8M | 3.60% | 0.91% | 0.71% |
| Q1 2026 | $323.8M | $364.5M | 2.96% | 0.93% | 0.57% |
| Q2 2026 | $331.0M | $365.8M | 2.86% | 1.01% | 0.54% |
National Grand Bank of Marblehead loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Grand Bank of Marblehead, 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 National Grand Bank of Marblehead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2608) · FFIEC NIC profile (RSSD 863607)