The Bank of Landisburg: 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: 0.98 percentage points higher than in Q1 2026, at 79.24%. The Bank of Landisburg ranks 76th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 79.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Bank of Landisburg reported 79.24% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $275.6M |
| Net loans and leases | $272.4M |
| Loans held for sale | $0 |
| Loans to total assets | 66.06% |
| Loan-to-deposit ratio | 79.24% |
| Net loans to equity capital | 4.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.67% |
| Multifamily (5+ residential) | 4.58% |
| Commercial and industrial | 3.51% |
| Consumer | 2.18% |
| Credit cards | 0.00% |
| Farm | 13.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.74% |
| Construction concentration (Tier 1 capital + allowance) | 10.29% |
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 | 6.11% |
| Interest income on loans | $4.2M |
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 | $262.5M | $325.0M | 11.28% | 2.64% | 2.88% |
| Q4 2023 | $263.0M | $323.9M | 11.04% | 2.62% | 2.82% |
| Q1 2024 | $261.6M | $326.8M | 10.81% | 2.91% | 2.88% |
| Q2 2024 | $263.4M | $324.2M | 11.12% | 3.00% | 2.77% |
| Q3 2024 | $262.9M | $339.1M | 10.98% | 2.89% | 2.62% |
| Q4 2024 | $265.5M | $337.7M | 10.86% | 2.92% | 2.47% |
| Q1 2025 | $265.1M | $335.9M | 11.10% | 3.09% | 2.52% |
| Q2 2025 | $270.4M | $339.2M | 10.98% | 3.41% | 2.46% |
| Q3 2025 | $275.0M | $348.3M | 11.09% | 2.97% | 2.42% |
| Q4 2025 | $273.1M | $349.5M | 11.63% | 3.18% | 2.37% |
| Q1 2026 | $273.1M | $349.0M | 11.27% | 3.34% | 2.28% |
| Q2 2026 | $275.6M | $347.7M | 10.67% | 3.51% | 2.18% |
The Bank of Landisburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Landisburg, 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 The Bank of Landisburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90384) · FFIEC NIC profile (RSSD 734613)