Armstrong County Building and Loan Association: 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 8.22 percentage points in Q2 2026, from 17.86% to 9.64%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Armstrong County Building and Loan Association is 74th of 109 on loan-to-deposit ratio, 79.80% as of Q2 2026, below the middle of the field. Armstrong County Building and Loan Association reported 79.80% on loan-to-deposit ratio for Q2 2026, 12.17 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.0M |
| Net loans and leases | $65.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.42% |
| Loan-to-deposit ratio | 79.80% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.20% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 0.00% |
| Consumer | 0.99% |
| 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) | 9.64% |
| Construction concentration (Tier 1 capital + allowance) | 6.62% |
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 | 5.50% |
| Interest income on loans | $895K |
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 | $53.1M | $79.1M | 1.64% | 0.00% | 0.97% |
| Q4 2023 | $54.2M | $78.7M | 1.81% | 0.00% | 0.94% |
| Q1 2024 | $54.3M | $78.9M | 1.75% | 0.00% | 1.21% |
| Q2 2024 | $55.3M | $78.5M | 1.61% | 0.00% | 1.27% |
| Q3 2024 | $59.5M | $78.2M | 1.47% | 0.00% | 1.24% |
| Q4 2024 | $60.0M | $80.1M | 1.43% | 0.00% | 1.26% |
| Q1 2025 | $60.5M | $81.6M | 1.19% | 0.00% | 1.22% |
| Q2 2025 | $62.5M | $81.8M | 1.32% | 0.00% | 1.14% |
| Q3 2025 | $65.0M | $82.9M | 1.26% | 0.00% | 1.16% |
| Q4 2025 | $64.5M | $83.2M | 1.26% | 0.00% | 1.10% |
| Q1 2026 | $64.1M | $83.9M | 1.25% | 0.00% | 1.06% |
| Q2 2026 | $66.0M | $82.7M | 1.20% | 0.00% | 0.99% |
Armstrong County Building and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong County Building and Loan Association, 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 Armstrong County Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29471) · FFIEC NIC profile (RSSD 269571)