Ambler 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.72 percentage points higher than in Q1 2026, at 83.15%. Within Pennsylvania, Ambler Savings Bank is 64th of 109 on loan-to-deposit ratio, 83.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Ambler Savings Bank reported 83.15% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $353.1M |
| Net loans and leases | $350.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.29% |
| Loan-to-deposit ratio | 83.15% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.60% |
| Multifamily (5+ residential) | 9.77% |
| Commercial and industrial | 0.85% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.96% |
| Construction concentration (Tier 1 capital + allowance) | 14.64% |
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 | 5.35% |
| Interest income on loans | $4.6M |
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 | $315.7M | $450.0M | 24.64% | 1.91% | 0.00% |
| Q4 2023 | $320.2M | $421.4M | 24.58% | 1.85% | 0.00% |
| Q1 2024 | $318.6M | $423.5M | 24.46% | 1.65% | 0.00% |
| Q2 2024 | $327.7M | $417.6M | 24.99% | 1.63% | 0.00% |
| Q3 2024 | $325.8M | $452.9M | 24.86% | 1.56% | 0.00% |
| Q4 2024 | $332.4M | $424.4M | 24.38% | 1.40% | 0.00% |
| Q1 2025 | $333.6M | $412.8M | 23.92% | 1.16% | 0.00% |
| Q2 2025 | $339.7M | $415.8M | 23.77% | 1.10% | 0.00% |
| Q3 2025 | $342.9M | $470.5M | 23.85% | 1.02% | 0.00% |
| Q4 2025 | $347.6M | $438.1M | 23.28% | 1.08% | 0.00% |
| Q1 2026 | $340.6M | $439.9M | 23.48% | 0.93% | 0.00% |
| Q2 2026 | $353.1M | $424.6M | 24.60% | 0.85% | 0.00% |
Ambler Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ambler 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 Ambler Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28701) · FFIEC NIC profile (RSSD 206174)