The Upstate National 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): 6.02 percentage points higher than in Q1 2026, at 326.87%. On loan-to-deposit ratio, The Upstate National Bank ranks 10th highest among the 105 banks headquartered in New York, at 111.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Upstate National Bank sits 30.52 points higher, at 111.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.6M |
| Net loans and leases | $230.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.88% |
| Loan-to-deposit ratio | 111.36% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.95% |
| Multifamily (5+ residential) | 29.40% |
| Commercial and industrial | 3.43% |
| Consumer | 0.01% |
| 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) | 326.87% |
| Construction concentration (Tier 1 capital + allowance) | 13.07% |
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 | 6.11% |
| Interest income on loans | $3.5M |
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 | $263.3M | $207.0M | 30.88% | 2.01% | 0.00% |
| Q4 2023 | $253.7M | $201.1M | 30.99% | 2.02% | 0.00% |
| Q1 2024 | $243.4M | $204.5M | 31.41% | 2.11% | 0.00% |
| Q2 2024 | $234.2M | $185.5M | 31.32% | 2.04% | 0.00% |
| Q3 2024 | $223.9M | $187.3M | 32.73% | 1.80% | 0.00% |
| Q4 2024 | $219.9M | $170.6M | 32.79% | 2.58% | 0.00% |
| Q1 2025 | $222.5M | $175.7M | 20.85% | 2.05% | 0.00% |
| Q2 2025 | $214.6M | $173.1M | 20.27% | 3.02% | 0.00% |
| Q3 2025 | $220.0M | $184.6M | 19.90% | 3.82% | 0.01% |
| Q4 2025 | $223.4M | $190.6M | 20.32% | 3.61% | 0.01% |
| Q1 2026 | $226.6M | $199.4M | 19.89% | 3.74% | 0.01% |
| Q2 2026 | $232.6M | $208.8M | 19.95% | 3.43% | 0.01% |
The Upstate National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Upstate National 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 The Upstate National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)