Altoona First 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.
Loan-to-deposit ratio climbed 3.46 percentage points in Q2 2026, from 70.70% to 74.16%. It was the largest change from Q1 2026 among the key lines here. Altoona First Savings Bank ranks 89th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 74.16% (Q2 2026). Altoona First Savings Bank reported 74.16% on loan-to-deposit ratio for Q2 2026, 6.68 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $206.7M |
| Net loans and leases | $204.2M |
| Loans held for sale | $0 |
| Loans to total assets | 62.91% |
| Loan-to-deposit ratio | 74.16% |
| Net loans to equity capital | 4.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.58% |
| Multifamily (5+ residential) | 8.20% |
| Commercial and industrial | 4.83% |
| Consumer | 3.33% |
| 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) | 117.55% |
| Construction concentration (Tier 1 capital + allowance) | 14.06% |
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 | 6.17% |
| Interest income on loans | $3.2M |
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 | $183.3M | $266.9M | 37.44% | 4.77% | 4.30% |
| Q4 2023 | $183.4M | $265.9M | 37.91% | 4.02% | 4.28% |
| Q1 2024 | $184.0M | $267.1M | 38.48% | 4.44% | 4.29% |
| Q2 2024 | $185.7M | $263.8M | 38.29% | 5.23% | 4.21% |
| Q3 2024 | $184.5M | $266.4M | 38.47% | 4.96% | 4.18% |
| Q4 2024 | $185.5M | $270.8M | 39.13% | 4.86% | 4.12% |
| Q1 2025 | $184.6M | $277.8M | 39.16% | 5.28% | 4.01% |
| Q2 2025 | $192.8M | $279.3M | 39.14% | 4.92% | 3.92% |
| Q3 2025 | $198.5M | $279.2M | 36.46% | 5.02% | 3.65% |
| Q4 2025 | $201.1M | $282.6M | 36.59% | 5.20% | 3.47% |
| Q1 2026 | $202.3M | $286.2M | 36.95% | 4.84% | 3.44% |
| Q2 2026 | $206.7M | $278.8M | 37.58% | 4.83% | 3.33% |
Altoona First Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Altoona First 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 Altoona First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27711) · FFIEC NIC profile (RSSD 777870)