Skowhegan 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) dropped 5.02 percentage points in Q2 2026, from 84.87% to 79.84%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Skowhegan Savings Bank is 2nd from the bottom among 22 Maine banks, 86.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Skowhegan Savings Bank sits 5.38 points higher, at 86.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $616.7M |
| Net loans and leases | $610.6M |
| Loans held for sale | $0 |
| Loans to total assets | 72.13% |
| Loan-to-deposit ratio | 86.21% |
| Net loans to equity capital | 4.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.85% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 8.72% |
| Consumer | 7.74% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.84% |
| Construction concentration (Tier 1 capital + allowance) | 5.03% |
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 | 5.76% |
| Interest income on loans | $8.8M |
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 | $583.0M | $712.8M | 27.21% | 6.86% | 8.78% |
| Q4 2023 | $585.5M | $727.9M | 26.96% | 7.47% | 9.16% |
| Q1 2024 | $591.7M | $728.6M | 27.33% | 8.01% | 8.77% |
| Q2 2024 | $596.4M | $709.5M | 26.89% | 8.24% | 8.67% |
| Q3 2024 | $605.5M | $721.9M | 27.64% | 8.20% | 8.38% |
| Q4 2024 | $610.6M | $726.1M | 27.11% | 8.47% | 8.40% |
| Q1 2025 | $621.8M | $725.2M | 28.41% | 8.42% | 8.19% |
| Q2 2025 | $617.7M | $706.7M | 28.23% | 8.45% | 7.99% |
| Q3 2025 | $611.2M | $716.2M | 27.42% | 8.48% | 8.07% |
| Q4 2025 | $613.4M | $709.4M | 25.15% | 8.90% | 8.14% |
| Q1 2026 | $615.8M | $711.9M | 26.92% | 8.60% | 7.73% |
| Q2 2026 | $616.7M | $715.3M | 26.85% | 8.72% | 7.74% |
Skowhegan Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Skowhegan 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 Skowhegan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19532) · FFIEC NIC profile (RSSD 401906)