Salem Co-Operative 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) climbed 15.02 percentage points in Q2 2026, from 125.38% to 140.39%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Salem Co-Operative Bank ranks first in New Hampshire on loan-to-deposit ratio among 16 banks, at 119.76%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Salem Co-Operative Bank sits 38.92 points higher, at 119.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $486.1M |
| Net loans and leases | $483.0M |
| Loans held for sale | $0 |
| Loans to total assets | 83.80% |
| Loan-to-deposit ratio | 119.76% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.91% |
| Multifamily (5+ residential) | 4.39% |
| Commercial and industrial | 3.18% |
| Consumer | 3.76% |
| 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) | 140.39% |
| Construction concentration (Tier 1 capital + allowance) | 51.56% |
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 | 4.91% |
| Interest income on loans | $5.9M |
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 | $442.5M | $391.8M | 12.30% | 4.87% | 10.06% |
| Q4 2023 | $453.4M | $387.0M | 12.68% | 4.78% | 9.57% |
| Q1 2024 | $453.3M | $386.0M | 13.27% | 4.55% | 9.23% |
| Q2 2024 | $460.6M | $363.0M | 12.91% | 4.08% | 9.37% |
| Q3 2024 | $468.0M | $371.9M | 12.71% | 3.89% | 9.11% |
| Q4 2024 | $477.2M | $364.6M | 13.86% | 3.92% | 8.32% |
| Q1 2025 | $473.2M | $382.7M | 13.89% | 3.75% | 7.45% |
| Q2 2025 | $471.4M | $388.2M | 13.15% | 3.91% | 6.71% |
| Q3 2025 | $480.5M | $405.2M | 15.56% | 3.29% | 5.72% |
| Q4 2025 | $479.1M | $399.7M | 15.50% | 3.41% | 5.01% |
| Q1 2026 | $473.8M | $404.0M | 16.62% | 3.28% | 4.48% |
| Q2 2026 | $486.1M | $405.9M | 16.91% | 3.18% | 3.76% |
Salem Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Co-Operative 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 Salem Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27824) · FFIEC NIC profile (RSSD 670878)