Spring 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 24.26 percentage points in Q2 2026, from 365.06% to 340.81%. It was the largest change from Q1 2026 among the key lines here. Within New York, Spring Bank is 59th of 105 on loan-to-deposit ratio, 83.15% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Spring Bank sits 2.60 points higher, at 83.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.6M |
| Net loans and leases | $451.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.24% |
| Loan-to-deposit ratio | 83.15% |
| Net loans to equity capital | 5.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.95% |
| Multifamily (5+ residential) | 12.80% |
| Commercial and industrial | 7.16% |
| Consumer | 0.30% |
| 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) | 340.81% |
| Construction concentration (Tier 1 capital + allowance) | 36.46% |
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 | 7.70% |
| Interest income on loans | $8.9M |
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 | $247.3M | $326.7M | 57.60% | 7.28% | 0.67% |
| Q4 2023 | $263.7M | $314.1M | 59.16% | 9.06% | 0.68% |
| Q1 2024 | $267.4M | $323.9M | 59.45% | 9.36% | 0.67% |
| Q2 2024 | $274.4M | $347.0M | 59.72% | 8.75% | 0.77% |
| Q3 2024 | $292.5M | $351.0M | 61.77% | 8.02% | 0.75% |
| Q4 2024 | $308.3M | $374.9M | 60.78% | 7.52% | 0.80% |
| Q1 2025 | $339.5M | $410.3M | 57.19% | 6.95% | 0.57% |
| Q2 2025 | $341.2M | $430.2M | 56.24% | 6.79% | 0.53% |
| Q3 2025 | $352.3M | $458.5M | 55.05% | 6.65% | 0.49% |
| Q4 2025 | $378.7M | $471.7M | 59.20% | 6.11% | 0.41% |
| Q1 2026 | $467.0M | $558.4M | 61.28% | 7.14% | 0.31% |
| Q2 2026 | $456.6M | $549.1M | 60.95% | 7.16% | 0.30% |
Spring Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58668) · FFIEC NIC profile (RSSD 3368925)