Unibank for Savings: 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.
Loan-to-deposit ratio dropped 5.76 percentage points in Q2 2026, from 89.38% to 83.62%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Unibank for Savings is 73rd of 89 on loan-to-deposit ratio, 83.62% as of Q2 2026, below the middle of the field. Unibank for Savings reported 83.62% on loan-to-deposit ratio for Q2 2026, 4.58 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.15B |
| Net loans and leases | $2.12B |
| Loans held for sale | $0 |
| Loans to total assets | 69.24% |
| Loan-to-deposit ratio | 83.62% |
| Net loans to equity capital | 8.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.14% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 2.48% |
| Consumer | 33.14% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.41% |
| Construction concentration (Tier 1 capital + allowance) | 11.26% |
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 | 4.98% |
| Interest income on loans | $26.5M |
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 | $1.97B | $2.24B | 20.84% | 2.46% | 33.98% |
| Q4 2023 | $1.95B | $2.20B | 20.71% | 2.52% | 33.23% |
| Q1 2024 | $1.93B | $2.26B | 20.92% | 2.50% | 33.30% |
| Q2 2024 | $1.95B | $2.40B | 21.00% | 2.21% | 33.56% |
| Q3 2024 | $1.98B | $2.20B | 20.99% | 2.33% | 32.92% |
| Q4 2024 | $2.02B | $2.12B | 20.39% | 2.32% | 33.29% |
| Q1 2025 | $2.08B | $2.28B | 20.95% | 2.27% | 33.15% |
| Q2 2025 | $2.09B | $2.47B | 20.90% | 2.13% | 32.81% |
| Q3 2025 | $2.09B | $2.25B | 20.43% | 2.25% | 32.23% |
| Q4 2025 | $2.13B | $2.14B | 19.70% | 2.23% | 33.04% |
| Q1 2026 | $2.11B | $2.37B | 19.47% | 2.29% | 32.98% |
| Q2 2026 | $2.15B | $2.57B | 19.14% | 2.48% | 33.14% |
Unibank for Savings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank for Savings, 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 Unibank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90290) · FFIEC NIC profile (RSSD 709602)