Salem Five Cents Savings 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 5.98 percentage points in Q2 2026, from 245.49% to 251.47%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Salem Five Cents Savings Bank ranks 4th highest among the 89 banks headquartered in Massachusetts, at 113.03% (Q2 2026). Salem Five Cents Savings Bank reported 113.03% on loan-to-deposit ratio for Q2 2026, 24.83 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.83B |
| Net loans and leases | $6.75B |
| Loans held for sale | $7.2M |
| Loans to total assets | 77.47% |
| Loan-to-deposit ratio | 113.03% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.81% |
| Multifamily (5+ residential) | 5.44% |
| Commercial and industrial | 12.70% |
| Consumer | 3.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 251.47% |
| Construction concentration (Tier 1 capital + allowance) | 50.79% |
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 | 5.57% |
| Interest income on loans | $93.0M |
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 | $5.22B | $5.08B | 33.04% | 12.32% | 3.41% |
| Q4 2023 | $5.39B | $5.13B | 32.26% | 12.43% | 3.42% |
| Q1 2024 | $5.44B | $5.31B | 32.17% | 12.38% | 3.36% |
| Q2 2024 | $5.64B | $5.38B | 32.06% | 11.92% | 3.36% |
| Q3 2024 | $5.82B | $5.51B | 31.24% | 12.06% | 3.43% |
| Q4 2024 | $5.96B | $5.63B | 30.34% | 12.04% | 3.31% |
| Q1 2025 | $6.14B | $5.64B | 30.23% | 11.95% | 3.33% |
| Q2 2025 | $6.41B | $5.75B | 29.19% | 12.11% | 3.29% |
| Q3 2025 | $6.53B | $5.83B | 28.70% | 12.25% | 3.31% |
| Q4 2025 | $6.60B | $5.96B | 29.45% | 12.69% | 3.33% |
| Q1 2026 | $6.63B | $6.01B | 29.91% | 12.91% | 3.22% |
| Q2 2026 | $6.83B | $6.04B | 29.81% | 12.70% | 3.21% |
Salem Five Cents Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Five Cents Savings 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 Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23296) · FFIEC NIC profile (RSSD 618807)