Piermont 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.
Cre concentration (tier 1 capital + allowance) climbed 9.24 percentage points in Q2 2026, from 393.19% to 402.43%. It was the largest change from Q1 2026 among the key lines here. Piermont Bank ranks 57th of 105 New York banks on loan-to-deposit ratio, in the lower half at 84.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Piermont Bank sits 3.20 points higher, at 84.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $324.7M |
| Net loans and leases | $321.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.29% |
| Loan-to-deposit ratio | 84.03% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.58% |
| Multifamily (5+ residential) | 68.63% |
| Commercial and industrial | 7.02% |
| 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) | 402.43% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.42% |
| Interest income on loans | $4.1M |
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 | $356.8M | $440.2M | 20.09% | 3.17% | 0.00% |
| Q4 2023 | $356.2M | $451.4M | 18.53% | 3.46% | 0.00% |
| Q1 2024 | $334.7M | $468.8M | 17.53% | 3.12% | 0.00% |
| Q2 2024 | $344.7M | $424.1M | 16.96% | 7.23% | 0.00% |
| Q3 2024 | $317.5M | $420.8M | 17.08% | 5.10% | 0.00% |
| Q4 2024 | $309.2M | $406.7M | 14.92% | 6.64% | 0.00% |
| Q1 2025 | $305.1M | $368.3M | 14.68% | 7.43% | 0.00% |
| Q2 2025 | $297.5M | $377.4M | 12.80% | 3.06% | 0.00% |
| Q3 2025 | $283.7M | $366.8M | 11.13% | 3.93% | 0.00% |
| Q4 2025 | $292.7M | $397.3M | 9.97% | 5.08% | 0.00% |
| Q1 2026 | $304.7M | $365.1M | 12.17% | 4.70% | 0.00% |
| Q2 2026 | $324.7M | $386.4M | 12.58% | 7.02% | 0.00% |
Piermont Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Piermont 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 Piermont Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59154) · FFIEC NIC profile (RSSD 5342974)