Savers 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.55 percentage points lower than in Q1 2026, at 300.76%. Within Massachusetts, Savers Co-Operative Bank is 9th of 89 on loan-to-deposit ratio, 108.89% as of Q2 2026, above the middle of the field. Savers Co-Operative Bank reported 108.89% on loan-to-deposit ratio for Q2 2026, 28.05 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $612.3M |
| Net loans and leases | $603.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.18% |
| Loan-to-deposit ratio | 108.89% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.24% |
| Multifamily (5+ residential) | 9.17% |
| Commercial and industrial | 5.85% |
| Consumer | 1.46% |
| 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) | 300.76% |
| Construction concentration (Tier 1 capital + allowance) | 50.39% |
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 | 5.30% |
| Interest income on loans | $8.2M |
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 | $537.4M | $554.8M | 43.21% | 4.85% | 3.02% |
| Q4 2023 | $537.7M | $528.7M | 42.15% | 4.93% | 2.98% |
| Q1 2024 | $536.3M | $535.5M | 42.04% | 4.47% | 2.91% |
| Q2 2024 | $566.6M | $544.5M | 44.39% | 4.43% | 2.75% |
| Q3 2024 | $575.0M | $555.1M | 44.63% | 4.90% | 2.62% |
| Q4 2024 | $590.6M | $554.5M | 42.98% | 4.98% | 2.46% |
| Q1 2025 | $592.6M | $566.5M | 42.97% | 4.98% | 2.32% |
| Q2 2025 | $615.4M | $553.8M | 42.55% | 6.23% | 2.12% |
| Q3 2025 | $618.1M | $571.0M | 41.82% | 5.76% | 1.94% |
| Q4 2025 | $616.8M | $554.6M | 41.10% | 5.68% | 1.74% |
| Q1 2026 | $622.8M | $568.7M | 41.22% | 5.60% | 1.57% |
| Q2 2026 | $612.3M | $562.3M | 40.24% | 5.85% | 1.46% |
Savers Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Savers 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 Savers Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26455) · FFIEC NIC profile (RSSD 1002373)