Rollstone Bank & Trust: 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 10.00 percentage points in Q2 2026, from 356.24% to 346.24%. It was the largest change from Q1 2026 among the key lines here. Rollstone Bank & Trust ranks 67th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 85.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Rollstone Bank & Trust sits 4.60 points higher, at 85.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $578.6M |
| Net loans and leases | $573.4M |
| Loans held for sale | $0 |
| Loans to total assets | 70.88% |
| Loan-to-deposit ratio | 85.43% |
| Net loans to equity capital | 8.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.54% |
| Multifamily (5+ residential) | 2.67% |
| Commercial and industrial | 4.27% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 346.24% |
| Construction concentration (Tier 1 capital + allowance) | 13.92% |
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 | 4.59% |
| Interest income on loans | $6.7M |
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 | $643.8M | $668.0M | 64.39% | 3.49% | 0.08% |
| Q4 2023 | $653.1M | $639.7M | 63.22% | 4.01% | 0.07% |
| Q1 2024 | $650.2M | $670.9M | 62.52% | 4.21% | 0.07% |
| Q2 2024 | $654.1M | $689.6M | 62.58% | 4.05% | 0.07% |
| Q3 2024 | $660.7M | $694.6M | 60.91% | 4.40% | 0.08% |
| Q4 2024 | $656.3M | $692.5M | 61.04% | 4.75% | 0.08% |
| Q1 2025 | $663.2M | $720.7M | 61.75% | 4.05% | 0.08% |
| Q2 2025 | $664.6M | $706.3M | 62.37% | 4.03% | 0.08% |
| Q3 2025 | $635.8M | $687.8M | 61.04% | 3.92% | 0.07% |
| Q4 2025 | $602.0M | $686.0M | 63.20% | 4.16% | 0.07% |
| Q1 2026 | $589.9M | $683.9M | 61.58% | 4.03% | 0.06% |
| Q2 2026 | $578.6M | $677.3M | 61.54% | 4.27% | 0.07% |
Rollstone Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rollstone Bank & Trust, 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 Rollstone Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17797) · FFIEC NIC profile (RSSD 837608)