Ulster 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 Construction concentration (Tier 1 capital + allowance): 22.93 percentage points higher than in Q1 2026, at 46.68%. Ulster Savings Bank ranks 55th of 105 New York banks on loan-to-deposit ratio, in the lower half at 84.49% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ulster Savings Bank sits 3.71 points lower, at 84.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.05B |
| Net loans and leases | $1.03B |
| Loans held for sale | $1.3M |
| Loans to total assets | 75.10% |
| Loan-to-deposit ratio | 84.49% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.61% |
| Multifamily (5+ residential) | 7.82% |
| Commercial and industrial | 4.94% |
| Consumer | 2.21% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.51% |
| Construction concentration (Tier 1 capital + allowance) | 46.68% |
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 | 5.20% |
| Interest income on loans | $13.6M |
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 | $1.01B | $1.08B | 20.74% | 5.16% | 2.90% |
| Q4 2023 | $1.02B | $1.09B | 20.06% | 4.94% | 2.78% |
| Q1 2024 | $1.02B | $1.10B | 20.31% | 4.84% | 2.53% |
| Q2 2024 | $1.02B | $1.13B | 20.13% | 4.79% | 2.33% |
| Q3 2024 | $1.02B | $1.16B | 20.06% | 4.72% | 2.17% |
| Q4 2024 | $1.01B | $1.18B | 20.47% | 4.68% | 2.01% |
| Q1 2025 | $1.01B | $1.20B | 20.54% | 4.60% | 1.82% |
| Q2 2025 | $1.02B | $1.22B | 20.24% | 4.91% | 2.35% |
| Q3 2025 | $1.02B | $1.22B | 19.86% | 4.63% | 2.41% |
| Q4 2025 | $1.06B | $1.22B | 21.24% | 5.09% | 2.65% |
| Q1 2026 | $1.05B | $1.22B | 21.03% | 5.01% | 2.47% |
| Q2 2026 | $1.05B | $1.24B | 20.61% | 4.94% | 2.21% |
Ulster Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ulster 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 Ulster Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15970) · FFIEC NIC profile (RSSD 301800)