Riverside Savings Bank, SSB: 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 2.15 percentage points in Q2 2026, from 124.63% to 122.48%. It was the largest change from Q1 2026 among the key lines here. Riverside Savings Bank, SSB ranks 21st of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 81.87% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Riverside Savings Bank, SSB sits 14.24 points higher, at 81.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.4M |
| Net loans and leases | $58.9M |
| Loans held for sale | $152K |
| Loans to total assets | 62.78% |
| Loan-to-deposit ratio | 81.87% |
| Net loans to equity capital | 3.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.97% |
| Multifamily (5+ residential) | 21.73% |
| Commercial and industrial | 1.28% |
| Consumer | 0.56% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.48% |
| Construction concentration (Tier 1 capital + allowance) | 51.02% |
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 | 6.09% |
| Interest income on loans | $901K |
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 | $52.9M | $72.2M | 6.14% | 1.62% | 1.68% |
| Q4 2023 | $52.9M | $72.5M | 6.04% | 1.43% | 1.56% |
| Q1 2024 | $53.2M | $74.3M | 6.41% | 1.33% | 1.51% |
| Q2 2024 | $53.9M | $73.3M | 5.16% | 1.30% | 1.46% |
| Q3 2024 | $55.8M | $72.2M | 5.13% | 1.17% | 1.22% |
| Q4 2024 | $54.8M | $71.6M | 5.13% | 1.36% | 1.05% |
| Q1 2025 | $54.9M | $72.6M | 5.00% | 1.27% | 0.98% |
| Q2 2025 | $55.6M | $71.7M | 4.84% | 1.60% | 0.87% |
| Q3 2025 | $56.4M | $69.6M | 4.67% | 1.33% | 0.86% |
| Q4 2025 | $58.6M | $71.1M | 4.21% | 1.18% | 0.71% |
| Q1 2026 | $59.5M | $72.8M | 4.05% | 1.01% | 0.56% |
| Q2 2026 | $59.4M | $72.5M | 3.97% | 1.28% | 0.56% |
Riverside Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Savings Bank, SSB, 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 Riverside Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28314) · FFIEC NIC profile (RSSD 247476)