The Pittsfield Co-operative Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
The Pittsfield Co-operative Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $357.9M in Q3 2026, up 18.0% from $303.2M in Q3 2025. That is 77.8% of its total assets. Across the 12 quarters shown it ranged from $266.4M (Q4 2023) to $357.9M (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 3.42 percentage points higher than in Q2 2026, at 81.80%. Within Massachusetts, The Pittsfield Co-operative Bank is 19th of 89 on loan-to-deposit ratio, 104.41% as of Q3 2026. The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. The Pittsfield Co-operative Bank sits 22.96 points higher, at 104.41% (Q3 2026).
Loan totals
Loan-to-deposit ratio changed the most here, down 1.25 points to 104.41% in Q3 2026 from 105.66% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $357.9M |
| Net loans and leases | $355.5M |
| Loans held for sale | $0 |
| Loans to total assets | 77.82% |
| Loan-to-deposit ratio | 104.41% |
| Net loans to equity capital | 6.72× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial and industrial, down 0.75 points to 8.96% in Q3 2026 after 9.71% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.69% |
| Multifamily (5+ residential) | 5.15% |
| Commercial and industrial | 8.96% |
| Consumer | 0.79% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.80% |
| Construction concentration (Tier 1 capital + allowance) | 13.11% |
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
Yield on loans moved most in this table, up 0.16 points: 5.86% in Q2 2026, 6.02% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.02% |
| Interest income on loans | $5.1M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $266.4M | $293.0M | 19.06% | 6.39% | 1.15% |
| Q1 2024 | $266.4M | $299.6M | 19.07% | 6.36% | 1.27% |
| Q2 2024 | $269.2M | $286.7M | 18.80% | 6.37% | 1.38% |
| Q3 2024 | $269.9M | $297.3M | 19.24% | 6.35% | 1.36% |
| Q4 2024 | $273.3M | $300.5M | 19.22% | 7.33% | 1.29% |
| Q1 2025 | $277.6M | $299.4M | 19.92% | 7.39% | 1.22% |
| Q2 2025 | $289.3M | $314.0M | 18.47% | 10.94% | 1.17% |
| Q3 2025 | $303.2M | $308.7M | 17.35% | 10.56% | 1.04% |
| Q4 2025 | $321.7M | $314.2M | 18.44% | 10.12% | 1.02% |
| Q1 2026 | $333.1M | $323.2M | 16.97% | 9.97% | 0.92% |
| Q2 2026 | $346.3M | $327.7M | 17.08% | 9.71% | 0.83% |
| Q3 2026 | $357.9M | $342.8M | 16.69% | 8.96% | 0.79% |
The Pittsfield Co-operative Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Pittsfield Co-operative Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26393) · FFIEC NIC profile (RSSD 1000276)