Cfsbank: 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.
Loans held for sale climbed 103.4% in Q2 2026, from $3.1M to $6.2M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Cfsbank is 82nd of 109 on loan-to-deposit ratio, 77.43% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cfsbank sits 3.13 points lower, at 77.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $497.2M |
| Net loans and leases | $495.0M |
| Loans held for sale | $6.2M |
| Loans to total assets | 64.30% |
| Loan-to-deposit ratio | 77.43% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.38% |
| Multifamily (5+ residential) | 2.93% |
| Commercial and industrial | 3.79% |
| Consumer | 4.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.38% |
| Construction concentration (Tier 1 capital + allowance) | 17.42% |
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 | 5.00% |
| Interest income on loans | $6.0M |
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 | $400.0M | $523.0M | 7.31% | 2.18% | 0.75% |
| Q4 2023 | $406.5M | $528.5M | 7.09% | 2.68% | 0.78% |
| Q1 2024 | $416.1M | $520.6M | 8.53% | 3.42% | 0.77% |
| Q2 2024 | $417.9M | $558.7M | 8.32% | 3.53% | 0.76% |
| Q3 2024 | $426.1M | $587.2M | 8.08% | 3.67% | 0.76% |
| Q4 2024 | $437.8M | $607.6M | 8.38% | 4.65% | 0.75% |
| Q1 2025 | $446.6M | $640.9M | 8.64% | 4.48% | 0.72% |
| Q2 2025 | $451.4M | $717.3M | 8.33% | 4.29% | 0.75% |
| Q3 2025 | $455.4M | $646.4M | 9.24% | 4.10% | 0.73% |
| Q4 2025 | $468.5M | $637.1M | 9.36% | 4.13% | 0.67% |
| Q1 2026 | $477.1M | $648.3M | 9.03% | 3.89% | 2.53% |
| Q2 2026 | $497.2M | $642.2M | 8.38% | 3.79% | 4.04% |
Cfsbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cfsbank, 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 Cfsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29672) · FFIEC NIC profile (RSSD 100777)