CNB 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.
Construction concentration (tier 1 capital + allowance) climbed 2.65 percentage points in Q2 2026, from 48.90% to 51.55%. It was the largest change from Q1 2026 among the key lines here. CNB Bank ranks 41st of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 90.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; CNB Bank reported 90.60% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.51B |
| Net loans and leases | $6.44B |
| Loans held for sale | $1.9M |
| Loans to total assets | 77.35% |
| Loan-to-deposit ratio | 90.60% |
| Net loans to equity capital | 7.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.61% |
| Multifamily (5+ residential) | 9.60% |
| Commercial and industrial | 13.62% |
| Consumer | 1.91% |
| Credit cards | 0.23% |
| Farm | 0.40% |
| Loans to depository institutions | 0.04% |
| State and political subdivisions | 2.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.22% |
| Construction concentration (Tier 1 capital + allowance) | 51.55% |
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 | 6.36% |
| Interest income on loans | $102.0M |
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 | $4.48B | $5.10B | 31.30% | 16.30% | 2.43% |
| Q4 2023 | $4.46B | $5.10B | 31.15% | 16.29% | 2.38% |
| Q1 2024 | $4.42B | $5.14B | 31.63% | 14.90% | 2.30% |
| Q2 2024 | $4.47B | $5.21B | 33.86% | 14.75% | 2.36% |
| Q3 2024 | $4.58B | $5.32B | 33.77% | 15.70% | 2.37% |
| Q4 2024 | $4.60B | $5.47B | 33.68% | 15.63% | 2.32% |
| Q1 2025 | $4.60B | $5.56B | 33.95% | 15.41% | 2.21% |
| Q2 2025 | $4.72B | $5.57B | 33.45% | 15.03% | 2.32% |
| Q3 2025 | $6.46B | $7.02B | 31.72% | 11.81% | 1.79% |
| Q4 2025 | $6.49B | $7.13B | 31.70% | 12.01% | 1.85% |
| Q1 2026 | $6.43B | $7.26B | 31.10% | 12.67% | 1.91% |
| Q2 2026 | $6.51B | $7.18B | 30.61% | 13.62% | 1.91% |
CNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB 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 CNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13876) · FFIEC NIC profile (RSSD 399517)