Solvay 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.
Construction concentration (Tier 1 capital + allowance) climbed 4.73 percentage points in Q2 2026, from 16.08% to 20.81%. It was the largest change from Q1 2026 among the key lines here. Solvay Bank ranks 77th of 105 New York banks on loan-to-deposit ratio, in the lower half at 70.62% (Q2 2026). Solvay Bank reported 70.62% on loan-to-deposit ratio for Q2 2026, 17.59 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $756.6M |
| Net loans and leases | $748.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.16% |
| Loan-to-deposit ratio | 70.62% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.66% |
| Multifamily (5+ residential) | 5.18% |
| Commercial and industrial | 13.09% |
| Consumer | 11.95% |
| Credit cards | 0.26% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.51% |
| Construction concentration (Tier 1 capital + allowance) | 20.81% |
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 | 5.09% |
| Interest income on loans | $9.4M |
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 | $680.4M | $1.01B | 22.27% | 10.88% | 12.68% |
| Q4 2023 | $698.6M | $968.3M | 21.56% | 10.74% | 13.75% |
| Q1 2024 | $711.0M | $1.04B | 21.63% | 11.41% | 13.49% |
| Q2 2024 | $718.9M | $1.05B | 22.44% | 11.55% | 13.90% |
| Q3 2024 | $715.5M | $1.14B | 22.39% | 11.80% | 13.66% |
| Q4 2024 | $718.6M | $1.06B | 21.90% | 11.61% | 13.65% |
| Q1 2025 | $730.6M | $1.05B | 20.92% | 13.01% | 13.14% |
| Q2 2025 | $737.9M | $1.06B | 21.24% | 11.99% | 12.85% |
| Q3 2025 | $743.0M | $1.14B | 20.86% | 11.68% | 12.57% |
| Q4 2025 | $743.3M | $1.06B | 21.30% | 12.22% | 12.02% |
| Q1 2026 | $728.5M | $1.08B | 20.99% | 12.10% | 11.95% |
| Q2 2026 | $756.6M | $1.07B | 20.66% | 13.09% | 11.95% |
Solvay Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Solvay 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 Solvay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13297) · FFIEC NIC profile (RSSD 722816)