Stafford 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: 3.47 percentage points higher than in Q1 2026, at 32.93%. Stafford Savings Bank has the 2nd lowest loan-to-deposit ratio of the 27 banks headquartered in Connecticut, at 32.93% as of Q2 2026. Stafford Savings Bank's loan-to-deposit ratio of 32.93% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 47.91 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.6M |
| Net loans and leases | $65.4M |
| Loans held for sale | $0 |
| Loans to total assets | 13.13% |
| Loan-to-deposit ratio | 32.93% |
| Net loans to equity capital | 0.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.05% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 2.11% |
| 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) | 1.18% |
| Construction concentration (Tier 1 capital + allowance) | 1.18% |
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 | 4.82% |
| Interest income on loans | $767K |
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 | $66.4M | $183.5M | 0.35% | 0.00% | 1.54% |
| Q4 2023 | $66.5M | $182.6M | 0.33% | 0.00% | 2.08% |
| Q1 2024 | $65.9M | $184.8M | 0.31% | 0.00% | 2.14% |
| Q2 2024 | $65.4M | $183.1M | 0.29% | 0.00% | 2.13% |
| Q3 2024 | $64.3M | $179.8M | 0.25% | 0.00% | 2.10% |
| Q4 2024 | $64.9M | $181.0M | 0.23% | 0.00% | 2.23% |
| Q1 2025 | $65.3M | $184.5M | 0.20% | 0.00% | 2.30% |
| Q2 2025 | $66.9M | $188.0M | 0.11% | 0.00% | 2.26% |
| Q3 2025 | $66.8M | $187.1M | 0.09% | 0.00% | 2.30% |
| Q4 2025 | $67.3M | $196.7M | 0.11% | 0.00% | 2.40% |
| Q1 2026 | $66.5M | $225.7M | 0.06% | 0.00% | 2.27% |
| Q2 2026 | $66.6M | $202.2M | 0.05% | 0.00% | 2.11% |
Stafford Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stafford 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 Stafford Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18227) · FFIEC NIC profile (RSSD 113003)