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.
Cre concentration (tier 1 capital + allowance) climbed 2.72 percentage points in Q2 2026, from 32.90% to 35.61%. It was the largest change from Q1 2026 among the key lines here. Watertown Savings Bank has the 3rd lowest loan-to-deposit ratio of the 89 banks headquartered in Massachusetts, at 52.63% as of Q2 2026. Watertown Savings Bank reported 52.63% on loan-to-deposit ratio for Q2 2026, 35.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $659.0M |
| Net loans and leases | $657.1M |
| Loans held for sale | $0 |
| Loans to total assets | 45.79% |
| Loan-to-deposit ratio | 52.63% |
| Net loans to equity capital | 3.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.89% |
| Multifamily (5+ residential) | 3.21% |
| Commercial and industrial | 0.36% |
| Consumer | 0.10% |
| 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) | 35.61% |
| Construction concentration (Tier 1 capital + allowance) | 8.20% |
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 | 5.30% |
| Interest income on loans | $8.5M |
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 | $616.0M | $1.27B | 7.73% | 0.50% | 0.10% |
| Q4 2023 | $617.0M | $1.26B | 7.89% | 0.52% | 0.12% |
| Q1 2024 | $618.0M | $1.26B | 7.72% | 0.50% | 0.10% |
| Q2 2024 | $621.4M | $1.30B | 7.53% | 0.57% | 0.09% |
| Q3 2024 | $610.0M | $1.29B | 7.51% | 0.46% | 0.10% |
| Q4 2024 | $611.3M | $1.31B | 7.40% | 0.44% | 0.09% |
| Q1 2025 | $624.7M | $1.33B | 7.38% | 0.45% | 0.11% |
| Q2 2025 | $627.6M | $1.30B | 7.43% | 0.37% | 0.09% |
| Q3 2025 | $636.8M | $1.29B | 7.44% | 0.35% | 0.09% |
| Q4 2025 | $636.9M | $1.25B | 7.30% | 0.36% | 0.09% |
| Q1 2026 | $633.4M | $1.26B | 6.86% | 0.39% | 0.09% |
| Q2 2026 | $659.0M | $1.25B | 6.89% | 0.36% | 0.10% |
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 23298) · FFIEC NIC profile (RSSD 886204)