Northeast 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): 20.91 percentage points lower than in Q1 2026, at 483.81%. Northeast Bank has the highest loan-to-deposit ratio of the 22 banks headquartered in Maine, 123.04% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northeast Bank sits 34.84 points higher, at 123.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.59B |
| Net loans and leases | $4.53B |
| Loans held for sale | $107.2M |
| Loans to total assets | 87.84% |
| Loan-to-deposit ratio | 123.04% |
| Net loans to equity capital | 7.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.70% |
| Multifamily (5+ residential) | 14.22% |
| Commercial and industrial | 5.37% |
| 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) | 483.81% |
| Construction concentration (Tier 1 capital + allowance) | 4.23% |
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 | 8.35% |
| Interest income on loans | $95.2M |
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 | $2.53B | $2.00B | 58.37% | 1.69% | 0.02% |
| Q4 2023 | $2.61B | $2.15B | 57.64% | 1.84% | 0.01% |
| Q1 2024 | $2.66B | $2.25B | 55.53% | 2.00% | 0.01% |
| Q2 2024 | $2.76B | $2.36B | 54.50% | 2.40% | 0.01% |
| Q3 2024 | $3.52B | $3.16B | 60.27% | 2.57% | 0.01% |
| Q4 2024 | $3.63B | $3.18B | 58.24% | 3.47% | 0.01% |
| Q1 2025 | $3.80B | $3.33B | 57.06% | 4.54% | 0.00% |
| Q2 2025 | $3.79B | $3.41B | 56.76% | 4.15% | 0.00% |
| Q3 2025 | $3.77B | $3.30B | 59.11% | 3.72% | 0.00% |
| Q4 2025 | $4.44B | $3.86B | 59.13% | 4.94% | 0.00% |
| Q1 2026 | $4.56B | $3.70B | 57.08% | 5.34% | 0.00% |
| Q2 2026 | $4.59B | $3.73B | 57.70% | 5.37% | 0.00% |
Northeast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast 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 Northeast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19690) · FFIEC NIC profile (RSSD 468806)