Central Penn Bank & Trust: 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 3.96 percentage points in Q2 2026, from 216.09% to 212.13%. It was the largest change from Q1 2026 among the key lines here. Central Penn Bank & Trust ranks 68th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.48% (Q2 2026). Central Penn Bank & Trust reported 82.48% on loan-to-deposit ratio for Q2 2026, 5.72 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $924.7M |
| Net loans and leases | $914.8M |
| Loans held for sale | $725K |
| Loans to total assets | 73.00% |
| Loan-to-deposit ratio | 82.48% |
| Net loans to equity capital | 7.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.43% |
| Multifamily (5+ residential) | 1.85% |
| Commercial and industrial | 12.48% |
| Consumer | 1.17% |
| Credit cards | 0.00% |
| Farm | 10.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.13% |
| Construction concentration (Tier 1 capital + allowance) | 24.59% |
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 | 6.53% |
| Interest income on loans | $15.0M |
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 | $381.6M | $477.1M | 28.74% | 15.68% | 2.09% |
| Q4 2023 | $387.9M | $472.9M | 29.20% | 15.03% | 2.15% |
| Q1 2024 | $394.8M | $467.2M | 29.25% | 15.58% | 2.09% |
| Q2 2024 | $404.3M | $479.7M | 30.50% | 14.24% | 2.03% |
| Q3 2024 | $410.8M | $496.7M | 29.90% | 14.86% | 2.02% |
| Q4 2024 | $436.3M | $489.6M | 29.49% | 17.09% | 1.85% |
| Q1 2025 | $449.7M | $506.5M | 30.56% | 18.76% | 1.78% |
| Q2 2025 | $467.6M | $514.7M | 33.31% | 15.84% | 1.62% |
| Q3 2025 | $900.6M | $1.11B | 23.97% | 14.53% | 1.44% |
| Q4 2025 | $918.2M | $1.11B | 24.63% | 14.44% | 1.36% |
| Q1 2026 | $917.6M | $1.12B | 26.80% | 12.44% | 1.25% |
| Q2 2026 | $924.7M | $1.12B | 26.43% | 12.48% | 1.17% |
Central Penn Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Penn Bank & Trust, 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 Central Penn Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10685) · FFIEC NIC profile (RSSD 779016)