Commercial Bank & Trust of PA: 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): 2.43 percentage points lower than in Q1 2026, at 69.67%. On loan-to-deposit ratio, Commercial Bank & Trust of PA is 8th from the bottom among 109 Pennsylvania banks, 54.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Commercial Bank & Trust of PA sits 26.89 points lower, at 54.05% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.3M |
| Net loans and leases | $165.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.52% |
| Loan-to-deposit ratio | 54.05% |
| Net loans to equity capital | 4.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.18% |
| Multifamily (5+ residential) | 9.76% |
| Commercial and industrial | 3.24% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.67% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 4.72% |
| Interest income on loans | $2.0M |
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 | $193.9M | $337.9M | 23.91% | 3.13% | 0.34% |
| Q4 2023 | $192.8M | $327.3M | 23.60% | 3.11% | 0.37% |
| Q1 2024 | $191.2M | $327.3M | 23.42% | 3.07% | 0.34% |
| Q2 2024 | $190.0M | $309.2M | 23.12% | 3.11% | 0.32% |
| Q3 2024 | $185.5M | $310.5M | 20.90% | 4.06% | 0.31% |
| Q4 2024 | $181.5M | $301.6M | 20.74% | 4.01% | 0.31% |
| Q1 2025 | $178.8M | $304.4M | 20.58% | 3.63% | 0.27% |
| Q2 2025 | $176.9M | $300.4M | 20.07% | 3.89% | 0.26% |
| Q3 2025 | $174.2M | $305.3M | 19.97% | 3.73% | 0.25% |
| Q4 2025 | $170.0M | $305.5M | 20.17% | 3.81% | 0.24% |
| Q1 2026 | $168.6M | $302.9M | 20.30% | 3.36% | 0.26% |
| Q2 2026 | $166.3M | $307.7M | 20.18% | 3.24% | 0.25% |
Commercial Bank & Trust of PA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust of PA, 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 Commercial Bank & Trust of PA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14333) · FFIEC NIC profile (RSSD 945026)