Atlantic Community Bankers 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 5.13 percentage points in Q2 2026, from 98.91% to 104.04%. It was the largest change from Q1 2026 among the key lines here. Atlantic Community Bankers Bank ranks 13th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 104.04% (Q2 2026). Atlantic Community Bankers Bank reported 104.04% on loan-to-deposit ratio for Q2 2026, 23.20 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $589.1M |
| Net loans and leases | $579.6M |
| Loans held for sale | $0 |
| Loans to total assets | 62.54% |
| Loan-to-deposit ratio | 104.04% |
| Net loans to equity capital | 3.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.06% |
| Multifamily (5+ residential) | 16.86% |
| Commercial and industrial | 3.99% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 1.40% |
| Loans to depository institutions | 0.09% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.10% |
| Construction concentration (Tier 1 capital + allowance) | 22.53% |
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 | 6.15% |
| Interest income on loans | $9.0M |
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 | $492.8M | $540.4M | 63.53% | 4.54% | 0.12% |
| Q4 2023 | $510.5M | $564.2M | 62.59% | 4.12% | 0.12% |
| Q1 2024 | $511.5M | $550.5M | 62.36% | 3.88% | 0.03% |
| Q2 2024 | $531.3M | $562.2M | 61.18% | 3.48% | 0.02% |
| Q3 2024 | $528.8M | $553.3M | 63.75% | 3.41% | 0.02% |
| Q4 2024 | $547.5M | $557.3M | 64.33% | 3.11% | 0.02% |
| Q1 2025 | $561.0M | $578.8M | 62.99% | 3.59% | 0.08% |
| Q2 2025 | $570.2M | $563.7M | 65.83% | 3.69% | 0.11% |
| Q3 2025 | $565.8M | $592.0M | 65.97% | 4.14% | 0.12% |
| Q4 2025 | $560.7M | $571.0M | 67.87% | 4.24% | 0.13% |
| Q1 2026 | $580.8M | $587.2M | 64.88% | 4.39% | 0.10% |
| Q2 2026 | $589.1M | $566.2M | 65.06% | 3.99% | 0.10% |
Atlantic Community Bankers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Atlantic Community Bankers 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 Atlantic Community Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24829) · FFIEC NIC profile (RSSD 959715)