Needham 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) dropped 4.66 percentage points in Q2 2026, from 92.74% to 88.08%. It was the largest change from Q1 2026 among the key lines here. Needham Bank ranks 23rd of 89 Massachusetts banks on loan-to-deposit ratio, in the upper half at 102.56% (Q2 2026). Needham Bank reported 102.56% on loan-to-deposit ratio for Q2 2026, 14.36 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.48B |
| Net loans and leases | $6.40B |
| Loans held for sale | $59.9M |
| Loans to total assets | 87.40% |
| Loan-to-deposit ratio | 102.56% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.67% |
| Multifamily (5+ residential) | 8.75% |
| Commercial and industrial | 16.79% |
| Consumer | 4.40% |
| Credit cards | 0.04% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.78% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 304.65% |
| Construction concentration (Tier 1 capital + allowance) | 88.08% |
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 | 6.75% |
| Interest income on loans | $106.6M |
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 | $3.72B | $3.44B | 28.98% | 12.48% | 5.64% |
| Q4 2023 | $3.89B | $3.44B | 30.18% | 12.34% | 5.28% |
| Q1 2024 | $3.96B | $3.78B | 30.50% | 12.14% | 5.25% |
| Q2 2024 | $4.10B | $3.92B | 29.88% | 14.12% | 5.45% |
| Q3 2024 | $4.25B | $4.05B | 30.12% | 13.19% | 5.49% |
| Q4 2024 | $4.33B | $4.18B | 31.46% | 12.77% | 5.62% |
| Q1 2025 | $4.46B | $4.33B | 30.82% | 13.51% | 5.62% |
| Q2 2025 | $4.54B | $4.28B | 30.25% | 13.62% | 5.55% |
| Q3 2025 | $4.72B | $4.57B | 30.74% | 13.67% | 5.56% |
| Q4 2025 | $6.05B | $5.86B | 31.71% | 16.47% | 4.44% |
| Q1 2026 | $6.27B | $6.10B | 30.59% | 17.31% | 4.39% |
| Q2 2026 | $6.48B | $6.32B | 32.67% | 16.79% | 4.40% |
Needham Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Needham 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 Needham Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26483) · FFIEC NIC profile (RSSD 339773)