Norway 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): 7.85 percentage points higher than in Q1 2026, at 178.47%. Norway Savings Bank ranks 11th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 103.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Norway Savings Bank sits 15.60 points higher, at 103.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.63B |
| Net loans and leases | $1.62B |
| Loans held for sale | $523K |
| Loans to total assets | 75.79% |
| Loan-to-deposit ratio | 103.80% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.82% |
| Multifamily (5+ residential) | 7.60% |
| Commercial and industrial | 7.24% |
| Consumer | 5.70% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.47% |
| Construction concentration (Tier 1 capital + allowance) | 30.79% |
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 | 6.00% |
| Interest income on loans | $23.8M |
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 | $1.29B | $1.54B | 32.74% | 7.40% | 6.22% |
| Q4 2023 | $1.31B | $1.49B | 32.05% | 7.76% | 6.07% |
| Q1 2024 | $1.31B | $1.50B | 31.79% | 7.54% | 5.99% |
| Q2 2024 | $1.36B | $1.50B | 31.12% | 7.99% | 5.87% |
| Q3 2024 | $1.40B | $1.56B | 30.88% | 7.79% | 5.72% |
| Q4 2024 | $1.43B | $1.53B | 29.85% | 7.93% | 5.46% |
| Q1 2025 | $1.45B | $1.59B | 30.36% | 7.38% | 5.51% |
| Q2 2025 | $1.47B | $1.59B | 30.22% | 7.32% | 5.81% |
| Q3 2025 | $1.51B | $1.62B | 29.15% | 7.22% | 5.77% |
| Q4 2025 | $1.55B | $1.59B | 29.40% | 7.23% | 5.59% |
| Q1 2026 | $1.56B | $1.61B | 29.37% | 7.22% | 5.63% |
| Q2 2026 | $1.63B | $1.57B | 30.82% | 7.24% | 5.70% |
Norway Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Norway 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 Norway Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17658) · FFIEC NIC profile (RSSD 289702)