Clarion County Community 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.56 percentage points lower than in Q1 2026, at 227.56%. Within Pennsylvania, Clarion County Community Bank is 35th of 109 on loan-to-deposit ratio, 93.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Clarion County Community Bank sits 13.03 points higher, at 93.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $220.2M |
| Net loans and leases | $218.6M |
| Loans held for sale | $0 |
| Loans to total assets | 84.17% |
| Loan-to-deposit ratio | 93.87% |
| Net loans to equity capital | 12.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.17% |
| Multifamily (5+ residential) | 8.09% |
| Commercial and industrial | 8.69% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.56% |
| Construction concentration (Tier 1 capital + allowance) | 19.10% |
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 | 6.40% |
| Interest income on loans | $3.5M |
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 | $180.1M | $190.7M | 36.18% | 8.43% | 2.47% |
| Q4 2023 | $184.8M | $193.8M | 37.00% | 7.97% | 2.24% |
| Q1 2024 | $185.3M | $201.6M | 36.29% | 8.29% | 2.13% |
| Q2 2024 | $190.5M | $205.6M | 35.82% | 8.88% | 2.30% |
| Q3 2024 | $192.0M | $210.9M | 35.83% | 8.62% | 2.58% |
| Q4 2024 | $193.2M | $214.3M | 34.88% | 8.43% | 2.58% |
| Q1 2025 | $204.3M | $223.3M | 35.72% | 8.24% | 2.72% |
| Q2 2025 | $210.4M | $228.3M | 34.35% | 8.62% | 2.67% |
| Q3 2025 | $219.7M | $242.6M | 34.19% | 8.59% | 2.48% |
| Q4 2025 | $223.6M | $237.6M | 34.31% | 8.60% | 2.38% |
| Q1 2026 | $220.9M | $239.4M | 34.11% | 8.71% | 2.35% |
| Q2 2026 | $220.2M | $234.6M | 33.17% | 8.69% | 2.42% |
Clarion County Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarion County Community 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 Clarion County Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57624) · FFIEC NIC profile (RSSD 3185579)