Walpole Co-Operative 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 Loan-to-deposit ratio: 2.46 percentage points higher than in Q1 2026, at 109.28%. On loan-to-deposit ratio, Walpole Co-Operative Bank ranks 8th highest among the 89 banks headquartered in Massachusetts, at 109.28% (Q2 2026). Walpole Co-Operative Bank reported 109.28% on loan-to-deposit ratio for Q2 2026, 28.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $556.5M |
| Net loans and leases | $549.3M |
| Loans held for sale | $0 |
| Loans to total assets | 86.08% |
| Loan-to-deposit ratio | 109.28% |
| Net loans to equity capital | 4.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.13% |
| Multifamily (5+ residential) | 19.12% |
| Commercial and industrial | 1.74% |
| Consumer | 0.00% |
| 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) | 277.48% |
| Construction concentration (Tier 1 capital + allowance) | 78.17% |
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 | 6.23% |
| Interest income on loans | $8.6M |
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 | $494.1M | $433.0M | 38.13% | 1.82% | 0.00% |
| Q4 2023 | $481.5M | $437.2M | 38.41% | 2.06% | 0.00% |
| Q1 2024 | $477.8M | $442.2M | 37.33% | 2.17% | 0.00% |
| Q2 2024 | $481.8M | $446.8M | 36.50% | 1.97% | 0.00% |
| Q3 2024 | $498.5M | $456.4M | 35.30% | 1.96% | 0.00% |
| Q4 2024 | $518.6M | $494.4M | 35.52% | 1.95% | 0.00% |
| Q1 2025 | $523.2M | $500.7M | 36.93% | 2.08% | 0.00% |
| Q2 2025 | $541.2M | $497.8M | 37.54% | 1.89% | 0.00% |
| Q3 2025 | $531.7M | $495.0M | 37.28% | 1.80% | 0.00% |
| Q4 2025 | $538.7M | $502.2M | 38.01% | 1.89% | 0.00% |
| Q1 2026 | $547.7M | $512.7M | 37.66% | 1.77% | 0.00% |
| Q2 2026 | $556.5M | $509.2M | 37.13% | 1.74% | 0.00% |
Walpole Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Walpole Co-Operative 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 Walpole Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26487) · FFIEC NIC profile (RSSD 63573)