Partners Bank of New England: 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.
Cre concentration (tier 1 capital + allowance) climbed 19.69 percentage points in Q2 2026, from 196.63% to 216.32%. It was the largest change from Q1 2026 among the key lines here. Partners Bank of New England ranks 10th of 22 Maine banks on loan-to-deposit ratio, in the upper half at 105.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Partners Bank of New England sits 17.39 points higher, at 105.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $894.4M |
| Net loans and leases | $885.5M |
| Loans held for sale | $600K |
| Loans to total assets | 82.27% |
| Loan-to-deposit ratio | 105.60% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.90% |
| Multifamily (5+ residential) | 6.18% |
| Commercial and industrial | 4.14% |
| Consumer | 0.56% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.32% |
| Construction concentration (Tier 1 capital + allowance) | 38.79% |
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 | 5.69% |
| Interest income on loans | $12.6M |
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 | $885.3M | $797.5M | 23.12% | 4.99% | 0.65% |
| Q4 2023 | $899.4M | $772.0M | 23.04% | 4.86% | 0.68% |
| Q1 2024 | $896.2M | $803.4M | 23.38% | 4.83% | 0.76% |
| Q2 2024 | $893.7M | $787.7M | 24.19% | 4.66% | 0.80% |
| Q3 2024 | $883.7M | $811.3M | 24.10% | 4.60% | 0.76% |
| Q4 2024 | $872.6M | $827.7M | 23.67% | 4.47% | 0.76% |
| Q1 2025 | $878.9M | $802.8M | 23.91% | 4.40% | 0.72% |
| Q2 2025 | $883.0M | $819.1M | 24.64% | 4.39% | 0.68% |
| Q3 2025 | $872.4M | $779.2M | 25.71% | 4.56% | 0.65% |
| Q4 2025 | $867.7M | $817.8M | 26.06% | 4.13% | 0.60% |
| Q1 2026 | $877.8M | $809.2M | 26.01% | 4.31% | 0.57% |
| Q2 2026 | $894.4M | $847.0M | 26.90% | 4.14% | 0.56% |
Partners Bank of New England loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank of New England, 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 Partners Bank of New England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17115) · FFIEC NIC profile (RSSD 111205)