New Haven 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.27 percentage points lower than in Q1 2026, at 226.83%. Among 27 Connecticut banks, New Haven Bank sits 2nd from the top on loan-to-deposit ratio, 108.83% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Haven Bank sits 27.99 points higher, at 108.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.8M |
| Net loans and leases | $166.9M |
| Loans held for sale | $0 |
| Loans to total assets | 84.39% |
| Loan-to-deposit ratio | 108.83% |
| Net loans to equity capital | 10.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.57% |
| Multifamily (5+ residential) | 7.87% |
| Commercial and industrial | 23.50% |
| Consumer | 9.35% |
| 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) | 226.83% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | — |
| Interest income on loans | $2.4M |
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 | $157.0M | $138.6M | 37.41% | 20.26% | 11.19% |
| Q4 2023 | $163.7M | $141.1M | 36.32% | 22.95% | 11.15% |
| Q1 2024 | $165.2M | $144.8M | 36.28% | 23.72% | 11.15% |
| Q2 2024 | $165.7M | $138.6M | 37.03% | 23.46% | 10.84% |
| Q3 2024 | $167.0M | $138.0M | 36.82% | 23.45% | 10.39% |
| Q4 2024 | $169.8M | $145.0M | 37.22% | 22.31% | 10.45% |
| Q1 2025 | $167.5M | $145.1M | 37.23% | 22.75% | 10.22% |
| Q2 2025 | $166.2M | $147.5M | 36.52% | 24.07% | 9.89% |
| Q3 2025 | $166.9M | $146.0M | 37.39% | 22.83% | 9.56% |
| Q4 2025 | $168.7M | $153.6M | 38.97% | 23.18% | 9.07% |
| Q1 2026 | $168.8M | $153.5M | 38.76% | 23.44% | 8.85% |
| Q2 2026 | $168.8M | $155.1M | 38.57% | 23.50% | 9.35% |
New Haven Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Haven 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 New Haven Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58952) · FFIEC NIC profile (RSSD 3843392)