Watertown 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.
Construction concentration (tier 1 capital + allowance) climbed 1.84 percentage points in Q2 2026, from 17.96% to 19.80%. It was the largest change from Q1 2026 among the key lines here. Watertown Savings Bank ranks 73rd of 105 New York banks on loan-to-deposit ratio, in the lower half at 75.70% (Q2 2026). Watertown Savings Bank reported 75.70% on loan-to-deposit ratio for Q2 2026, 5.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $593.7M |
| Net loans and leases | $586.7M |
| Loans held for sale | $200K |
| Loans to total assets | 61.14% |
| Loan-to-deposit ratio | 75.70% |
| Net loans to equity capital | 3.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.68% |
| Multifamily (5+ residential) | 4.84% |
| Commercial and industrial | 9.00% |
| Consumer | 3.21% |
| 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) | 78.62% |
| Construction concentration (Tier 1 capital + allowance) | 19.80% |
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 | — |
| Interest income on loans | $8.9M |
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 | $508.3M | $781.8M | 43.59% | 9.46% | 3.56% |
| Q4 2023 | $519.4M | $753.3M | 43.51% | 9.31% | 3.48% |
| Q1 2024 | $526.9M | $774.2M | 42.66% | 9.82% | 3.43% |
| Q2 2024 | $538.5M | $760.0M | 41.83% | 10.29% | 3.37% |
| Q3 2024 | $548.4M | $776.5M | 41.50% | 9.81% | 4.12% |
| Q4 2024 | $560.1M | $743.0M | 40.74% | 9.70% | 4.18% |
| Q1 2025 | $566.3M | $760.2M | 40.54% | 10.03% | 3.96% |
| Q2 2025 | $573.8M | $759.9M | 39.77% | 10.18% | 3.82% |
| Q3 2025 | $576.6M | $773.2M | 38.89% | 10.27% | 3.69% |
| Q4 2025 | $583.0M | $762.6M | 38.88% | 9.10% | 3.53% |
| Q1 2026 | $583.0M | $787.9M | 39.36% | 8.67% | 3.35% |
| Q2 2026 | $593.7M | $784.3M | 38.68% | 9.00% | 3.21% |
Watertown Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Watertown 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 Watertown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15990) · FFIEC NIC profile (RSSD 298218)