Profile 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) dropped 20.40 percentage points in Q2 2026, from 207.37% to 186.97%. It was the largest change from Q1 2026 among the key lines here. Profile Bank has the 2nd lowest loan-to-deposit ratio of the 16 banks headquartered in New Hampshire, at 70.98% as of Q2 2026. Profile Bank reported 70.98% on loan-to-deposit ratio for Q2 2026, 9.57 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $199.0M |
| Net loans and leases | $198.2M |
| Loans held for sale | $0 |
| Loans to total assets | 62.84% |
| Loan-to-deposit ratio | 70.98% |
| Net loans to equity capital | 7.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.57% |
| Multifamily (5+ residential) | 16.08% |
| Commercial and industrial | 11.84% |
| Consumer | 3.18% |
| 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) | 186.97% |
| Construction concentration (Tier 1 capital + allowance) | 42.90% |
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 | 5.36% |
| Interest income on loans | $2.7M |
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 | $164.4M | $265.4M | 19.04% | 6.99% | 3.45% |
| Q4 2023 | $167.1M | $262.4M | 18.12% | 6.70% | 3.55% |
| Q1 2024 | $166.8M | $249.1M | 17.82% | 6.31% | 3.59% |
| Q2 2024 | $173.3M | $259.7M | 16.80% | 6.47% | 3.53% |
| Q3 2024 | $173.7M | $260.0M | 16.00% | 5.82% | 3.60% |
| Q4 2024 | $174.8M | $257.1M | 15.82% | 5.70% | 3.65% |
| Q1 2025 | $176.1M | $270.1M | 15.67% | 5.59% | 3.55% |
| Q2 2025 | $180.8M | $287.9M | 13.79% | 4.68% | 3.48% |
| Q3 2025 | $185.2M | $289.2M | 13.56% | 4.28% | 3.48% |
| Q4 2025 | $198.2M | $276.2M | 12.93% | 9.64% | 3.16% |
| Q1 2026 | $193.7M | $280.5M | 13.21% | 7.40% | 3.23% |
| Q2 2026 | $199.0M | $280.3M | 11.57% | 11.84% | 3.18% |
Profile Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Profile 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 Profile Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28155) · FFIEC NIC profile (RSSD 672573)