The National Iron 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 4.73 percentage points in Q2 2026, from 65.83% to 61.10%. It was the largest change from Q1 2026 among the key lines here. The National Iron Bank ranks 18th of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 90.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The National Iron Bank sits 9.22 points higher, at 90.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $262.5M |
| Net loans and leases | $261.2M |
| Loans held for sale | $0 |
| Loans to total assets | 82.53% |
| Loan-to-deposit ratio | 90.06% |
| Net loans to equity capital | 10.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.42% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 1.20% |
| Consumer | 0.41% |
| 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) | 61.10% |
| Construction concentration (Tier 1 capital + allowance) | 30.50% |
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 | 4.76% |
| Interest income on loans | $3.1M |
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 | $249.4M | $255.5M | 6.34% | 0.62% | 0.41% |
| Q4 2023 | $249.8M | $252.1M | 6.26% | 0.61% | 0.37% |
| Q1 2024 | $249.2M | $259.4M | 6.14% | 0.63% | 0.38% |
| Q2 2024 | $251.1M | $247.9M | 6.03% | 0.64% | 0.47% |
| Q3 2024 | $247.8M | $266.7M | 5.87% | 0.64% | 0.60% |
| Q4 2024 | $247.3M | $266.4M | 5.79% | 0.43% | 0.64% |
| Q1 2025 | $245.5M | $276.7M | 5.57% | 0.61% | 0.39% |
| Q2 2025 | $251.1M | $273.5M | 4.99% | 0.65% | 0.39% |
| Q3 2025 | $256.2M | $292.8M | 4.73% | 0.64% | 0.66% |
| Q4 2025 | $260.7M | $289.7M | 4.57% | 0.42% | 0.37% |
| Q1 2026 | $257.1M | $293.6M | 4.58% | 0.43% | 0.39% |
| Q2 2026 | $262.5M | $291.4M | 4.42% | 1.20% | 0.41% |
The National Iron Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Iron 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 The National Iron Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2496) · FFIEC NIC profile (RSSD 1008209)