Schuyler 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 Loan-to-deposit ratio: 3.25 percentage points higher than in Q1 2026, at 108.46%. Within New Jersey, Schuyler Savings Bank is 5th of 49 on loan-to-deposit ratio, 108.46% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Schuyler Savings Bank sits 27.62 points higher, at 108.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.0M |
| Net loans and leases | $127.0M |
| Loans held for sale | $0 |
| Loans to total assets | 84.67% |
| Loan-to-deposit ratio | 108.46% |
| Net loans to equity capital | 6.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.12% |
| Multifamily (5+ residential) | 9.17% |
| Commercial and industrial | 0.00% |
| 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) | 101.21% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 4.88% |
| Interest income on loans | $1.5M |
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 | $116.3M | $106.1M | 8.85% | 0.00% | 0.05% |
| Q4 2023 | $116.7M | $105.9M | 9.29% | 0.00% | 0.02% |
| Q1 2024 | $117.3M | $104.9M | 9.18% | 0.00% | 0.02% |
| Q2 2024 | $117.7M | $105.8M | 11.12% | 0.00% | 0.03% |
| Q3 2024 | $114.1M | $107.1M | 11.39% | 0.00% | 0.03% |
| Q4 2024 | $114.9M | $108.4M | 11.97% | 0.00% | 0.03% |
| Q1 2025 | $115.0M | $108.5M | 11.88% | 0.00% | 0.04% |
| Q2 2025 | $113.3M | $107.3M | 10.74% | 0.00% | 0.03% |
| Q3 2025 | $110.9M | $107.5M | 10.93% | 0.00% | 0.03% |
| Q4 2025 | $126.0M | $114.5M | 9.70% | 0.00% | 0.03% |
| Q1 2026 | $122.7M | $116.6M | 10.37% | 0.00% | 0.03% |
| Q2 2026 | $128.0M | $118.0M | 10.12% | 0.00% | 0.03% |
Schuyler Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Schuyler 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 Schuyler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30072) · FFIEC NIC profile (RSSD 657178)