North Brookfield 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.93 percentage points lower than in Q1 2026, at 147.03%. Within Massachusetts, North Brookfield Savings Bank is 79th of 89 on loan-to-deposit ratio, 76.47% as of Q2 2026, below the middle of the field. North Brookfield Savings Bank reported 76.47% on loan-to-deposit ratio for Q2 2026, 4.37 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $293.0M |
| Net loans and leases | $291.1M |
| Loans held for sale | $0 |
| Loans to total assets | 65.31% |
| Loan-to-deposit ratio | 76.47% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.02% |
| Multifamily (5+ residential) | 5.76% |
| Commercial and industrial | 9.39% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 0.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.03% |
| Construction concentration (Tier 1 capital + allowance) | 13.35% |
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 | 5.28% |
| Interest income on loans | $3.9M |
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 | $272.3M | $354.6M | 17.58% | 1.25% | 2.03% |
| Q4 2023 | $275.7M | $358.1M | 18.55% | 2.14% | 1.87% |
| Q1 2024 | $279.4M | $362.0M | 19.20% | 2.21% | 1.82% |
| Q2 2024 | $277.0M | $357.3M | 19.65% | 2.82% | 1.76% |
| Q3 2024 | $278.8M | $358.7M | 20.31% | 4.32% | 1.70% |
| Q4 2024 | $278.4M | $366.4M | 17.08% | 6.24% | 1.66% |
| Q1 2025 | $284.2M | $374.5M | 19.00% | 6.59% | 1.47% |
| Q2 2025 | $286.8M | $372.9M | 19.84% | 7.41% | 1.36% |
| Q3 2025 | $296.6M | $368.2M | 22.36% | 7.86% | 1.15% |
| Q4 2025 | $295.3M | $370.6M | 23.19% | 8.31% | 1.14% |
| Q1 2026 | $294.0M | $374.4M | 23.18% | 8.81% | 1.03% |
| Q2 2026 | $293.0M | $383.2M | 22.02% | 9.39% | 1.58% |
North Brookfield Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Brookfield 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 North Brookfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90258) · FFIEC NIC profile (RSSD 528102)