Piscataqua 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 Loan-to-deposit ratio: 1.61 percentage points lower than in Q1 2026, at 66.42%. On loan-to-deposit ratio, Piscataqua Savings Bank is 1st from the bottom among 16 New Hampshire banks, 66.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Piscataqua Savings Bank sits 14.42 points lower, at 66.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $198.0M |
| Net loans and leases | $196.6M |
| Loans held for sale | $0 |
| Loans to total assets | 53.03% |
| Loan-to-deposit ratio | 66.42% |
| Net loans to equity capital | 4.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.25% |
| Multifamily (5+ residential) | 0.46% |
| Commercial and industrial | 0.00% |
| Consumer | 0.93% |
| 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) | 3.15% |
| Construction concentration (Tier 1 capital + allowance) | 1.36% |
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 | 4.42% |
| Interest income on loans | $2.2M |
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 | $207.4M | $321.7M | 0.00% | 0.00% | 0.37% |
| Q4 2023 | $205.1M | $309.8M | 0.00% | 0.00% | 0.39% |
| Q1 2024 | $200.6M | $303.6M | 0.00% | 0.00% | 0.36% |
| Q2 2024 | $200.6M | $300.1M | 0.00% | 0.00% | 0.34% |
| Q3 2024 | $197.2M | $299.3M | 0.00% | 0.00% | 0.49% |
| Q4 2024 | $198.2M | $297.0M | 0.26% | 0.00% | 0.49% |
| Q1 2025 | $198.5M | $297.6M | 0.25% | 0.00% | 0.44% |
| Q2 2025 | $203.2M | $285.4M | 0.25% | 0.00% | 0.39% |
| Q3 2025 | $203.9M | $294.0M | 0.25% | 0.00% | 0.61% |
| Q4 2025 | $201.5M | $300.5M | 0.25% | 0.00% | 0.88% |
| Q1 2026 | $203.4M | $298.9M | 0.24% | 0.00% | 0.86% |
| Q2 2026 | $198.0M | $298.1M | 0.25% | 0.00% | 0.93% |
Piscataqua Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Piscataqua 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 Piscataqua Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17443) · FFIEC NIC profile (RSSD 591209)