Primary 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 Construction concentration (Tier 1 capital + allowance): 2.05 percentage points higher than in Q1 2026, at 66.93%. Within New Hampshire, Primary Bank is 4th of 16 on loan-to-deposit ratio, 104.22% as of Q2 2026, above the middle of the field. Primary Bank reported 104.22% on loan-to-deposit ratio for Q2 2026, 23.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $671.4M |
| Net loans and leases | $664.8M |
| Loans held for sale | $0 |
| Loans to total assets | 87.25% |
| Loan-to-deposit ratio | 104.22% |
| Net loans to equity capital | 5.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.81% |
| Multifamily (5+ residential) | 7.53% |
| Commercial and industrial | 20.72% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.33% |
| Construction concentration (Tier 1 capital + allowance) | 66.93% |
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 | — |
| Interest income on loans | $10.1M |
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 | $579.2M | $607.3M | 54.54% | 19.96% | 0.00% |
| Q4 2023 | $588.6M | $600.8M | 56.02% | 19.58% | 0.00% |
| Q1 2024 | $585.6M | $594.7M | 55.71% | 18.99% | 0.00% |
| Q2 2024 | $594.6M | $602.0M | 55.72% | 20.09% | 0.00% |
| Q3 2024 | $599.1M | $614.8M | 54.78% | 20.88% | 0.00% |
| Q4 2024 | $599.1M | $603.7M | 55.93% | 20.37% | 0.00% |
| Q1 2025 | $604.7M | $590.1M | 55.89% | 20.27% | 0.00% |
| Q2 2025 | $619.1M | $613.0M | 56.08% | 20.04% | 0.00% |
| Q3 2025 | $641.5M | $619.0M | 51.91% | 20.09% | 0.00% |
| Q4 2025 | $638.1M | $605.3M | 50.42% | 20.75% | 0.00% |
| Q1 2026 | $644.6M | $621.5M | 53.22% | 19.52% | 0.00% |
| Q2 2026 | $671.4M | $644.2M | 52.81% | 20.72% | 0.00% |
Primary Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Primary 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 Primary Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59086) · FFIEC NIC profile (RSSD 4845861)