Newtown Savings 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.
Loans held for sale dropped 99.0% in Q2 2026, from $30.7M to $293K. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Newtown Savings Bank is 16th of 27 on loan-to-deposit ratio, 97.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Newtown Savings Bank sits 9.14 points higher, at 97.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.53B |
| Net loans and leases | $1.51B |
| Loans held for sale | $293K |
| Loans to total assets | 81.62% |
| Loan-to-deposit ratio | 97.34% |
| Net loans to equity capital | 9.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.31% |
| Multifamily (5+ residential) | 2.24% |
| Commercial and industrial | 5.53% |
| Consumer | 0.37% |
| Credit cards | 0.08% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.41% |
| Construction concentration (Tier 1 capital + allowance) | 30.89% |
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 | 5.35% |
| Interest income on loans | $19.9M |
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 | $1.32B | $1.52B | 15.94% | 5.82% | 0.76% |
| Q4 2023 | $1.35B | $1.48B | 15.35% | 6.55% | 0.70% |
| Q1 2024 | $1.34B | $1.49B | 14.93% | 6.95% | 0.64% |
| Q2 2024 | $1.36B | $1.44B | 14.24% | 6.38% | 0.63% |
| Q3 2024 | $1.40B | $1.57B | 13.72% | 6.34% | 0.59% |
| Q4 2024 | $1.45B | $1.50B | 14.05% | 6.36% | 0.53% |
| Q1 2025 | $1.45B | $1.54B | 13.69% | 6.70% | 0.50% |
| Q2 2025 | $1.50B | $1.49B | 15.05% | 6.44% | 0.46% |
| Q3 2025 | $1.50B | $1.61B | 15.80% | 6.15% | 0.45% |
| Q4 2025 | $1.48B | $1.58B | 16.26% | 5.92% | 0.42% |
| Q1 2026 | $1.49B | $1.63B | 15.95% | 5.31% | 0.39% |
| Q2 2026 | $1.53B | $1.57B | 16.31% | 5.53% | 0.37% |
Newtown Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Newtown Savings 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 Newtown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18199) · FFIEC NIC profile (RSSD 507509)