Newfield National 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.
Loan-to-deposit ratio climbed 2.80 percentage points in Q2 2026, from 56.33% to 59.14%. It was the largest change from Q1 2026 among the key lines here. Newfield National Bank ranks 41st of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 59.14% (Q2 2026). Newfield National Bank reported 59.14% on loan-to-deposit ratio for Q2 2026, 21.70 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $464.0M |
| Net loans and leases | $457.8M |
| Loans held for sale | $0 |
| Loans to total assets | 52.19% |
| Loan-to-deposit ratio | 59.14% |
| Net loans to equity capital | 6.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.48% |
| Multifamily (5+ residential) | 2.66% |
| Commercial and industrial | 4.80% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.30% |
| Construction concentration (Tier 1 capital + allowance) | 29.60% |
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 | $6.5M |
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 | $460.7M | $847.3M | 54.49% | 6.09% | 0.21% |
| Q4 2023 | $456.9M | $827.9M | 55.31% | 5.87% | 0.23% |
| Q1 2024 | $451.8M | $803.8M | 56.36% | 5.63% | 0.22% |
| Q2 2024 | $447.3M | $817.5M | 56.17% | 5.92% | 0.22% |
| Q3 2024 | $447.2M | $830.1M | 56.43% | 5.79% | 0.22% |
| Q4 2024 | $443.3M | $836.2M | 56.53% | 5.68% | 0.22% |
| Q1 2025 | $442.9M | $812.7M | 58.12% | 4.89% | 0.20% |
| Q2 2025 | $452.8M | $796.5M | 57.65% | 4.89% | 0.21% |
| Q3 2025 | $460.0M | $835.8M | 56.82% | 4.53% | 0.19% |
| Q4 2025 | $459.3M | $806.7M | 55.80% | 5.07% | 0.18% |
| Q1 2026 | $461.0M | $818.3M | 56.54% | 4.45% | 0.15% |
| Q2 2026 | $464.0M | $784.6M | 55.48% | 4.80% | 0.14% |
Newfield National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Newfield National 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 Newfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14646) · FFIEC NIC profile (RSSD 632410)