Rockland Trust Company: 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 5.48 percentage points in Q2 2026, from 282.30% to 276.82%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Rockland Trust Company is 62nd of 89 on loan-to-deposit ratio, 89.72% as of Q2 2026, below the middle of the field. Rockland Trust Company reported 89.72% on loan-to-deposit ratio for Q2 2026, 2.89 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.42B |
| Net loans and leases | $18.22B |
| Loans held for sale | $22.0M |
| Loans to total assets | 73.76% |
| Loan-to-deposit ratio | 89.72% |
| Net loans to equity capital | 4.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.55% |
| Multifamily (5+ residential) | 11.76% |
| Commercial and industrial | 10.32% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.82% |
| Construction concentration (Tier 1 capital + allowance) | 50.15% |
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 | 5.69% |
| Interest income on loans | $261.9M |
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 | $14.23B | $15.21B | 38.19% | 10.40% | 0.20% |
| Q4 2023 | $14.28B | $14.98B | 38.42% | 9.89% | 0.22% |
| Q1 2024 | $14.34B | $15.10B | 38.42% | 10.09% | 0.19% |
| Q2 2024 | $14.42B | $15.48B | 37.34% | 10.09% | 0.20% |
| Q3 2024 | $14.38B | $15.53B | 37.70% | 10.00% | 0.24% |
| Q4 2024 | $14.52B | $15.42B | 37.91% | 10.15% | 0.24% |
| Q1 2025 | $14.50B | $15.91B | 37.52% | 10.44% | 0.22% |
| Q2 2025 | $14.55B | $16.19B | 37.02% | 10.73% | 0.22% |
| Q3 2025 | $18.47B | $20.42B | 37.09% | 10.25% | 0.19% |
| Q4 2025 | $18.54B | $20.26B | 37.24% | 10.05% | 0.23% |
| Q1 2026 | $18.44B | $20.24B | 37.59% | 10.12% | 0.19% |
| Q2 2026 | $18.42B | $20.53B | 36.55% | 10.32% | 0.20% |
Rockland Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Trust Company, 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 Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9712) · FFIEC NIC profile (RSSD 613008)