Pittsfield Co-Operative 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 10.13 percentage points in Q2 2026, from 68.24% to 78.38%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Pittsfield Co-Operative Bank is 14th of 89 on loan-to-deposit ratio, 105.66% as of Q2 2026, above the middle of the field. Pittsfield Co-Operative Bank reported 105.66% on loan-to-deposit ratio for Q2 2026, 24.72 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.3M |
| Net loans and leases | $343.9M |
| Loans held for sale | $0 |
| Loans to total assets | 76.70% |
| Loan-to-deposit ratio | 105.66% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.08% |
| Multifamily (5+ residential) | 4.95% |
| Commercial and industrial | 9.71% |
| Consumer | 0.83% |
| 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) | 78.38% |
| Construction concentration (Tier 1 capital + allowance) | 10.58% |
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 | 5.86% |
| Interest income on loans | $4.8M |
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 | $265.8M | $301.4M | 19.74% | 6.52% | 1.12% |
| Q4 2023 | $266.4M | $293.0M | 19.06% | 6.39% | 1.15% |
| Q1 2024 | $266.4M | $299.6M | 19.07% | 6.36% | 1.27% |
| Q2 2024 | $269.2M | $286.7M | 18.80% | 6.37% | 1.38% |
| Q3 2024 | $269.9M | $297.3M | 19.24% | 6.35% | 1.36% |
| Q4 2024 | $273.3M | $300.5M | 19.22% | 7.33% | 1.29% |
| Q1 2025 | $277.6M | $299.4M | 19.92% | 7.39% | 1.22% |
| Q2 2025 | $289.3M | $314.0M | 18.47% | 10.94% | 1.17% |
| Q3 2025 | $303.2M | $308.7M | 17.35% | 10.56% | 1.04% |
| Q4 2025 | $321.7M | $314.2M | 18.44% | 10.12% | 1.02% |
| Q1 2026 | $333.1M | $323.2M | 16.97% | 9.97% | 0.92% |
| Q2 2026 | $346.3M | $327.7M | 17.08% | 9.71% | 0.83% |
Pittsfield Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pittsfield Co-Operative 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 Pittsfield Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)