The 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 20.79 percentage points higher than in Q1 2026, at 210.60%. The Savings Bank ranks 71st of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 84.22% (Q2 2026). The Savings Bank reported 84.22% on loan-to-deposit ratio for Q2 2026, 3.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $645.6M |
| Net loans and leases | $640.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.46% |
| Loan-to-deposit ratio | 84.22% |
| Net loans to equity capital | 7.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.24% |
| Multifamily (5+ residential) | 12.04% |
| Commercial and industrial | 1.06% |
| Consumer | 0.03% |
| 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) | 210.60% |
| Construction concentration (Tier 1 capital + allowance) | 51.95% |
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 | 5.24% |
| 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 | $554.9M | $693.0M | 14.98% | 1.11% | 0.03% |
| Q4 2023 | $573.7M | $701.0M | 14.97% | 1.23% | 0.04% |
| Q1 2024 | $572.4M | $727.6M | 14.92% | 1.19% | 0.03% |
| Q2 2024 | $590.6M | $709.9M | 14.13% | 1.17% | 0.04% |
| Q3 2024 | $605.1M | $704.0M | 13.56% | 1.12% | 0.04% |
| Q4 2024 | $609.3M | $732.0M | 13.00% | 1.07% | 0.04% |
| Q1 2025 | $610.2M | $735.3M | 12.65% | 1.03% | 0.04% |
| Q2 2025 | $608.9M | $728.5M | 12.78% | 1.02% | 0.04% |
| Q3 2025 | $614.1M | $742.8M | 11.45% | 1.09% | 0.04% |
| Q4 2025 | $626.4M | $766.4M | 11.46% | 1.13% | 0.03% |
| Q1 2026 | $616.7M | $757.5M | 13.16% | 1.11% | 0.03% |
| Q2 2026 | $645.6M | $766.6M | 12.24% | 1.06% | 0.03% |
The Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90291) · FFIEC NIC profile (RSSD 711801)