Apollo Trust Company: 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 3.97 percentage points in Q2 2026, from 106.87% to 102.90%. It was the largest change from Q1 2026 among the key lines here. Among 109 Pennsylvania banks, Apollo Trust Company sits 3rd from the top on loan-to-deposit ratio, 122.43% as of Q2 2026. Apollo Trust Company's loan-to-deposit ratio of 122.43% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.59 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $183.7M |
| Net loans and leases | $182.2M |
| Loans held for sale | $0 |
| Loans to total assets | 87.74% |
| Loan-to-deposit ratio | 122.43% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.22% |
| Multifamily (5+ residential) | 8.42% |
| Commercial and industrial | 1.58% |
| Consumer | 0.68% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.90% |
| Construction concentration (Tier 1 capital + allowance) | 0.04% |
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 | 5.86% |
| Interest income on loans | $2.5M |
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 | $169.0M | $159.1M | 9.11% | 1.77% | 1.69% |
| Q4 2023 | $171.8M | $148.9M | 10.12% | 1.73% | 1.64% |
| Q1 2024 | $171.4M | $148.4M | 10.00% | 1.31% | 1.57% |
| Q2 2024 | $174.4M | $150.7M | 9.48% | 0.84% | 1.49% |
| Q3 2024 | $173.6M | $149.8M | 9.55% | 0.78% | 1.39% |
| Q4 2024 | $174.8M | $143.7M | 9.62% | 1.30% | 1.29% |
| Q1 2025 | $177.8M | $145.3M | 9.73% | 2.08% | 1.15% |
| Q2 2025 | $179.8M | $147.1M | 9.51% | 2.05% | 1.06% |
| Q3 2025 | $181.8M | $147.9M | 9.44% | 2.66% | 0.97% |
| Q4 2025 | $182.4M | $141.3M | 9.27% | 2.56% | 0.86% |
| Q1 2026 | $184.5M | $148.0M | 9.04% | 2.59% | 0.77% |
| Q2 2026 | $183.7M | $150.1M | 9.22% | 1.58% | 0.68% |
Apollo Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Apollo Trust Company, 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 Apollo Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6051) · FFIEC NIC profile (RSSD 368522)