Compass Savings 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 Construction concentration (Tier 1 capital + allowance): 9.41 percentage points higher than in Q1 2026, at 10.51%. Compass Savings Bank ranks 12th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 104.34% (Q2 2026). Compass Savings Bank's loan-to-deposit ratio of 104.34% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 36.72 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $50.3M |
| Net loans and leases | $50.0M |
| Loans held for sale | $0 |
| Loans to total assets | 93.95% |
| Loan-to-deposit ratio | 104.34% |
| Net loans to equity capital | 12.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.15% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 0.48% |
| Consumer | 1.68% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.25% |
| Construction concentration (Tier 1 capital + allowance) | 10.51% |
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 | 4.51% |
| Interest income on loans | $558K |
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 | $55.1M | $47.5M | 0.36% | 1.22% | 2.75% |
| Q4 2023 | $55.0M | $48.8M | 1.33% | 0.35% | 3.04% |
| Q1 2024 | $54.1M | $51.2M | 0.00% | 1.79% | 3.06% |
| Q2 2024 | $53.9M | $52.8M | 0.36% | 1.32% | 2.38% |
| Q3 2024 | $52.7M | $52.8M | 0.36% | 1.38% | 2.62% |
| Q4 2024 | $52.6M | $52.2M | 1.32% | 0.41% | 2.41% |
| Q1 2025 | $52.5M | $51.8M | 1.20% | 0.49% | 2.55% |
| Q2 2025 | $51.4M | $51.4M | 1.20% | 0.43% | 2.33% |
| Q3 2025 | $49.6M | $51.1M | 1.22% | 0.46% | 2.05% |
| Q4 2025 | $51.0M | $49.0M | 1.17% | 0.44% | 2.09% |
| Q1 2026 | $49.4M | $48.4M | 1.19% | 0.49% | 1.99% |
| Q2 2026 | $50.3M | $48.2M | 1.15% | 0.48% | 1.68% |
Compass Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Compass Savings 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 Compass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29430) · FFIEC NIC profile (RSSD 373272)