North Easton 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): 6.27 percentage points lower than in Q1 2026, at 162.01%. Within Massachusetts, North Easton Savings Bank is 74th of 89 on loan-to-deposit ratio, 82.33% 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. North Easton Savings Bank sits 5.87 points lower, at 82.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.32B |
| Net loans and leases | $1.32B |
| Loans held for sale | $240K |
| Loans to total assets | 71.82% |
| Loan-to-deposit ratio | 82.33% |
| Net loans to equity capital | 6.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.53% |
| Multifamily (5+ residential) | 8.23% |
| Commercial and industrial | 13.94% |
| Consumer | 3.47% |
| 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) | 162.01% |
| Construction concentration (Tier 1 capital + allowance) | 28.41% |
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 | $17.4M |
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 | $1.17B | $1.40B | 16.92% | 9.24% | 3.60% |
| Q4 2023 | $1.18B | $1.36B | 17.29% | 9.49% | 3.40% |
| Q1 2024 | $1.22B | $1.41B | 17.73% | 10.34% | 4.60% |
| Q2 2024 | $1.24B | $1.43B | 18.46% | 11.45% | 4.17% |
| Q3 2024 | $1.26B | $1.44B | 19.54% | 12.09% | 3.76% |
| Q4 2024 | $1.28B | $1.52B | 19.53% | 13.08% | 3.35% |
| Q1 2025 | $1.29B | $1.55B | 20.16% | 12.73% | 3.82% |
| Q2 2025 | $1.30B | $1.54B | 20.78% | 12.86% | 3.45% |
| Q3 2025 | $1.30B | $1.52B | 21.00% | 12.91% | 3.12% |
| Q4 2025 | $1.33B | $1.54B | 22.24% | 13.14% | 2.79% |
| Q1 2026 | $1.35B | $1.61B | 22.24% | 14.02% | 3.13% |
| Q2 2026 | $1.32B | $1.61B | 22.53% | 13.94% | 3.47% |
North Easton Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Easton 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 Easton Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90259) · FFIEC NIC profile (RSSD 527600)