Stonehambank: 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 9.92 percentage points in Q2 2026, from 73.56% to 83.48%. It was the largest change from Q1 2026 among the key lines here. Stonehambank ranks 45th of 89 Massachusetts banks on loan-to-deposit ratio, in the lower half at 92.97% (Q2 2026). Stonehambank reported 92.97% on loan-to-deposit ratio for Q2 2026, 12.41 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $718.8M |
| Net loans and leases | $711.5M |
| Loans held for sale | $692K |
| Loans to total assets | 78.28% |
| Loan-to-deposit ratio | 92.97% |
| Net loans to equity capital | 10.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.80% |
| Multifamily (5+ residential) | 6.45% |
| Commercial and industrial | 11.05% |
| Consumer | 1.62% |
| 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) | 268.42% |
| Construction concentration (Tier 1 capital + allowance) | 83.48% |
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 | 5.69% |
| Interest income on loans | $10.3M |
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 | $637.4M | $626.9M | 29.22% | 11.70% | 0.09% |
| Q4 2023 | $651.9M | $605.6M | 29.23% | 11.59% | 0.10% |
| Q1 2024 | $656.2M | $626.1M | 28.98% | 11.23% | 0.11% |
| Q2 2024 | $668.9M | $660.7M | 29.57% | 10.77% | 0.12% |
| Q3 2024 | $673.7M | $705.6M | 30.12% | 10.98% | 0.13% |
| Q4 2024 | $669.1M | $718.0M | 29.94% | 10.85% | 0.14% |
| Q1 2025 | $671.2M | $728.8M | 29.56% | 10.72% | 0.14% |
| Q2 2025 | $685.7M | $715.6M | 29.15% | 10.59% | 1.14% |
| Q3 2025 | $702.2M | $707.4M | 29.94% | 10.95% | 1.28% |
| Q4 2025 | $712.6M | $715.1M | 29.96% | 11.11% | 1.70% |
| Q1 2026 | $723.5M | $750.0M | 29.41% | 11.11% | 1.63% |
| Q2 2026 | $718.8M | $773.2M | 28.80% | 11.05% | 1.62% |
Stonehambank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stonehambank, 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 Stonehambank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26559) · FFIEC NIC profile (RSSD 954279)