Bank of Bird-In-Hand: 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 CRE concentration (Tier 1 capital + allowance): 1.66 percentage points higher than in Q1 2026, at 116.41%. Within Pennsylvania, Bank of Bird-In-Hand is 15th of 109 on loan-to-deposit ratio, 103.40% as of Q2 2026, above the middle of the field. Bank of Bird-In-Hand reported 103.40% on loan-to-deposit ratio for Q2 2026, 15.20 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.74B |
| Net loans and leases | $1.73B |
| Loans held for sale | $0 |
| Loans to total assets | 91.18% |
| Loan-to-deposit ratio | 103.40% |
| Net loans to equity capital | 9.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.67% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 5.88% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 36.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.41% |
| Construction concentration (Tier 1 capital + allowance) | 8.93% |
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 | 6.22% |
| Interest income on loans | $26.5M |
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 | $1.12B | $1.04B | 18.89% | 5.98% | 0.08% |
| Q4 2023 | $1.19B | $1.09B | 18.24% | 6.17% | 0.08% |
| Q1 2024 | $1.24B | $1.13B | 18.19% | 6.22% | 0.08% |
| Q2 2024 | $1.30B | $1.21B | 18.26% | 6.23% | 0.08% |
| Q3 2024 | $1.34B | $1.31B | 18.34% | 5.96% | 0.07% |
| Q4 2024 | $1.39B | $1.33B | 18.28% | 6.06% | 0.07% |
| Q1 2025 | $1.44B | $1.35B | 18.84% | 6.28% | 0.08% |
| Q2 2025 | $1.51B | $1.40B | 18.86% | 6.47% | 0.07% |
| Q3 2025 | $1.55B | $1.50B | 19.14% | 6.23% | 0.07% |
| Q4 2025 | $1.61B | $1.58B | 19.32% | 5.78% | 0.07% |
| Q1 2026 | $1.67B | $1.62B | 19.45% | 5.90% | 0.07% |
| Q2 2026 | $1.74B | $1.68B | 19.67% | 5.88% | 0.06% |
Bank of Bird-In-Hand loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bird-In-Hand, 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 Bank of Bird-In-Hand profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59074) · FFIEC NIC profile (RSSD 4536084)