Rockland Savings Bank, FSB: 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.
Construction concentration (tier 1 capital + allowance) climbed 10.65 percentage points in Q2 2026, from 23.48% to 34.13%. It was the largest change from Q1 2026 among the key lines here. Within Maine, Rockland Savings Bank, FSB is 4th of 22 on loan-to-deposit ratio, 113.81% as of Q2 2026, above the middle of the field. Against a median of 67.62% for banks in the < $100M asset tier, Rockland Savings Bank, FSB reported 113.81% on loan-to-deposit ratio in Q2 2026, 46.19 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.9M |
| Net loans and leases | $77.3M |
| Loans held for sale | $0 |
| Loans to total assets | 85.85% |
| Loan-to-deposit ratio | 113.81% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.02% |
| Multifamily (5+ residential) | 2.20% |
| Commercial and industrial | 14.03% |
| Consumer | 0.62% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.07% |
| Construction concentration (Tier 1 capital + allowance) | 34.13% |
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 | 6.01% |
| Interest income on loans | $1.2M |
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 | $77.8M | $79.9M | 6.79% | 15.01% | 1.05% |
| Q4 2023 | $78.9M | $77.1M | 6.31% | 15.42% | 1.06% |
| Q1 2024 | $80.8M | $75.4M | 8.24% | 15.49% | 1.03% |
| Q2 2024 | $81.8M | $71.0M | 7.88% | 15.59% | 1.04% |
| Q3 2024 | $81.7M | $75.9M | 8.01% | 15.13% | 0.88% |
| Q4 2024 | $81.4M | $74.7M | 8.02% | 15.27% | 0.77% |
| Q1 2025 | $80.9M | $72.6M | 7.51% | 16.18% | 0.81% |
| Q2 2025 | $80.0M | $73.2M | 7.74% | 15.69% | 0.85% |
| Q3 2025 | $80.4M | $74.9M | 7.79% | 15.36% | 0.72% |
| Q4 2025 | $79.6M | $72.7M | 8.21% | 15.00% | 0.75% |
| Q1 2026 | $79.6M | $71.9M | 7.64% | 14.92% | 0.71% |
| Q2 2026 | $77.9M | $68.5M | 7.02% | 14.03% | 0.62% |
Rockland Savings Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Savings Bank, FSB, 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 Rockland Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28369) · FFIEC NIC profile (RSSD 95677)