The Savings Bank

Wakefield, MassachusettsFDIC Cert #90291

STATEEstablished 18699 branches

Holding company: WAKEFIELD BCORP MHCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$15.1M
Investor CRE	$66.1M
Multifamily	$63.4M
Construction	$37.7M
1–4 family	$427M
C&I	$6.83M
Agriculture	$0
Other	$319K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$617M

+1.1%y/y

Percentile by value89th percentileby value

FDICLNLSGR

Net loans

$612M

+1.3%y/y

Percentile by value90th percentileby value

FDICLNLSNET

Loans YoY

+1.27%

−80.7%y/y

Percentile by value25th percentileby value

FDICLNLSNET

L/D

80.8%

−1.7%y/y

Percentile by value50th percentileby value

FDICLNLSNET + DEP

Loans/assets

70.8%

−2.3%y/y

Percentile by value55th percentileby value

FDICLNLSNET + ASSET

RE loans %

101.54%

+0.2%y/y

Percentile by value94th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

5,073points

+1.4%y/y

Peer standing4th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

2.44%

+44.9%y/y

Percentile by value8th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.72%

−2.2%y/y

Percentile by value39th percentileby value

FDICLNRENROT + LNLSGR

C&I %

1.11%

+8.0%y/y

Percentile by value5th percentileby value

FDICLNCI + LNLSGR