New Valley Bank & Trust: 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): 20.60 percentage points lower than in Q1 2026, at 248.43%. New Valley Bank & Trust ranks 77th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 78.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; New Valley Bank & Trust reported 78.81% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $253.3M |
| Net loans and leases | $248.1M |
| Loans held for sale | $0 |
| Loans to total assets | 65.79% |
| Loan-to-deposit ratio | 78.81% |
| Net loans to equity capital | 9.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.72% |
| Multifamily (5+ residential) | 5.58% |
| Commercial and industrial | 24.31% |
| Consumer | 0.00% |
| 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) | 248.43% |
| Construction concentration (Tier 1 capital + allowance) | 25.87% |
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 | 5.34% |
| Interest income on loans | $3.4M |
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 | $224.4M | $261.7M | 44.05% | 26.63% | 0.00% |
| Q4 2023 | $231.5M | $275.3M | 47.25% | 24.37% | 0.00% |
| Q1 2024 | $240.9M | $280.2M | 46.76% | 25.13% | 0.00% |
| Q2 2024 | $240.7M | $287.9M | 44.85% | 23.97% | 0.00% |
| Q3 2024 | $252.7M | $292.2M | 47.32% | 23.97% | 0.03% |
| Q4 2024 | $254.6M | $271.8M | 48.04% | 23.45% | 0.00% |
| Q1 2025 | $257.6M | $278.0M | 48.21% | 24.08% | 0.01% |
| Q2 2025 | $263.1M | $277.6M | 46.73% | 26.07% | 0.00% |
| Q3 2025 | $260.3M | $300.4M | 47.98% | 23.67% | 0.00% |
| Q4 2025 | $262.2M | $274.8M | 51.48% | 22.92% | 0.00% |
| Q1 2026 | $257.9M | $317.0M | 52.25% | 22.92% | 0.00% |
| Q2 2026 | $253.3M | $321.4M | 51.72% | 24.31% | 0.00% |
New Valley Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Valley Bank & Trust, 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 Valley Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59143) · FFIEC NIC profile (RSSD 5316920)