Webster Five Cents 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) dropped 12.57 percentage points in Q2 2026, from 359.34% to 346.78%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Webster Five Cents Savings Bank is 35th of 89 on loan-to-deposit ratio, 97.79% as of Q2 2026, above the middle of the field. Webster Five Cents Savings Bank reported 97.79% on loan-to-deposit ratio for Q2 2026, 9.59 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $978.7M |
| Net loans and leases | $970.9M |
| Loans held for sale | $908K |
| Loans to total assets | 74.71% |
| Loan-to-deposit ratio | 97.79% |
| Net loans to equity capital | 6.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.85% |
| Multifamily (5+ residential) | 11.03% |
| Commercial and industrial | 5.64% |
| Consumer | 0.21% |
| 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) | 346.78% |
| Construction concentration (Tier 1 capital + allowance) | 59.17% |
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 | 5.90% |
| Interest income on loans | $14.4M |
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 | $920.5M | $957.4M | 44.23% | 4.35% | 0.40% |
| Q4 2023 | $960.8M | $956.2M | 43.49% | 5.85% | 0.36% |
| Q1 2024 | $965.9M | $962.4M | 45.66% | 5.11% | 0.34% |
| Q2 2024 | $969.0M | $968.3M | 44.78% | 5.02% | 0.31% |
| Q3 2024 | $976.7M | $975.5M | 44.78% | 4.84% | 0.28% |
| Q4 2024 | $1.01B | $980.9M | 44.46% | 6.02% | 0.26% |
| Q1 2025 | $1.00B | $988.4M | 46.35% | 5.46% | 0.24% |
| Q2 2025 | $1.01B | $1.00B | 46.29% | 6.22% | 0.23% |
| Q3 2025 | $1.01B | $1.02B | 47.90% | 5.62% | 0.23% |
| Q4 2025 | $995.4M | $992.6M | 47.53% | 6.72% | 0.22% |
| Q1 2026 | $990.6M | $1.01B | 49.35% | 5.38% | 0.21% |
| Q2 2026 | $978.7M | $1.00B | 48.85% | 5.64% | 0.21% |
Webster Five Cents Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Webster Five Cents 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 Webster Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90297) · FFIEC NIC profile (RSSD 765505)