Sturdy 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 CRE concentration (Tier 1 capital + allowance): 7.87 percentage points lower than in Q1 2026, at 193.96%. Sturdy Savings Bank ranks 40th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 63.34% (Q2 2026). Sturdy Savings Bank reported 63.34% on loan-to-deposit ratio for Q2 2026, 24.86 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $648.2M |
| Net loans and leases | $644.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.67% |
| Loan-to-deposit ratio | 63.34% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.35% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 2.60% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.96% |
| Construction concentration (Tier 1 capital + allowance) | 23.21% |
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 | 5.74% |
| 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 | $571.7M | $1.06B | 41.53% | 2.36% | 0.13% |
| Q4 2023 | $571.2M | $1.00B | 40.97% | 2.55% | 0.13% |
| Q1 2024 | $571.1M | $975.9M | 40.84% | 2.17% | 0.07% |
| Q2 2024 | $598.5M | $979.8M | 41.76% | 2.82% | 0.06% |
| Q3 2024 | $595.2M | $1.04B | 42.93% | 1.93% | 0.06% |
| Q4 2024 | $606.9M | $996.3M | 43.30% | 1.76% | 0.06% |
| Q1 2025 | $628.0M | $983.4M | 42.20% | 2.89% | 0.06% |
| Q2 2025 | $632.7M | $989.4M | 42.53% | 2.82% | 0.05% |
| Q3 2025 | $622.1M | $1.06B | 43.33% | 2.46% | 0.06% |
| Q4 2025 | $625.4M | $1.01B | 42.47% | 2.64% | 0.08% |
| Q1 2026 | $649.0M | $1.00B | 41.10% | 2.70% | 0.05% |
| Q2 2026 | $648.2M | $1.02B | 42.35% | 2.60% | 0.05% |
Sturdy Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturdy 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 Sturdy Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28788) · FFIEC NIC profile (RSSD 391977)