Wrentham 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.
Loan-to-deposit ratio climbed 4.02 percentage points in Q2 2026, from 63.36% to 67.38%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Wrentham Co-Operative Bank is 5th from the bottom among 89 Massachusetts banks, 67.38% (Q2 2026). Wrentham Co-Operative Bank reported 67.38% on loan-to-deposit ratio for Q2 2026, 13.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $118.5M |
| Net loans and leases | $118.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.50% |
| Loan-to-deposit ratio | 67.38% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.69% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.04% |
| Consumer | 0.90% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 4.58% |
| Interest income on loans | $1.3M |
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 | $98.6M | $136.6M | 1.06% | 0.04% | 1.53% |
| Q4 2023 | $101.8M | $143.4M | 1.01% | 0.09% | 1.39% |
| Q1 2024 | $99.7M | $150.4M | 1.01% | 0.08% | 1.44% |
| Q2 2024 | $105.5M | $159.7M | 0.93% | 0.07% | 1.36% |
| Q3 2024 | $107.4M | $159.5M | 0.90% | 0.07% | 1.37% |
| Q4 2024 | $109.0M | $161.6M | 0.87% | 0.06% | 1.29% |
| Q1 2025 | $108.9M | $165.7M | 0.85% | 0.06% | 1.17% |
| Q2 2025 | $112.3M | $165.7M | 0.81% | 0.06% | 1.08% |
| Q3 2025 | $114.3M | $165.4M | 0.76% | 0.05% | 1.01% |
| Q4 2025 | $113.3M | $171.6M | 0.76% | 0.05% | 0.98% |
| Q1 2026 | $112.9M | $178.1M | 0.74% | 0.05% | 0.93% |
| Q2 2026 | $118.5M | $175.8M | 0.69% | 0.04% | 0.90% |
Wrentham Co-Operative Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wrentham 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 Wrentham Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)