County 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): 7.02 percentage points higher than in Q1 2026, at 10.49%. Within Pennsylvania, County Savings Bank is 94th of 109 on loan-to-deposit ratio, 67.95% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; County Savings Bank reported 67.95% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.9M |
| Net loans and leases | $55.5M |
| Loans held for sale | $0 |
| Loans to total assets | 61.84% |
| Loan-to-deposit ratio | 67.95% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.92% |
| Multifamily (5+ residential) | 5.04% |
| Commercial and industrial | 0.00% |
| Consumer | 0.13% |
| 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) | 80.25% |
| Construction concentration (Tier 1 capital + allowance) | 10.49% |
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 | 5.04% |
| Interest income on loans | $684K |
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 | $49.2M | $93.4M | 10.00% | 0.00% | 0.15% |
| Q4 2023 | $49.9M | $91.7M | 9.74% | 0.00% | 0.19% |
| Q1 2024 | $50.1M | $93.5M | 9.50% | 0.00% | 0.27% |
| Q2 2024 | $50.7M | $95.1M | 9.33% | 0.00% | 0.25% |
| Q3 2024 | $52.0M | $93.9M | 9.15% | 0.00% | 0.23% |
| Q4 2024 | $52.8M | $92.2M | 8.69% | 0.00% | 0.22% |
| Q1 2025 | $53.2M | $89.4M | 8.68% | 0.00% | 0.18% |
| Q2 2025 | $53.0M | $88.3M | 8.54% | 0.00% | 0.17% |
| Q3 2025 | $53.6M | $84.3M | 8.65% | 0.00% | 0.15% |
| Q4 2025 | $54.4M | $81.1M | 8.64% | 0.00% | 0.16% |
| Q1 2026 | $54.1M | $81.5M | 8.57% | 0.00% | 0.15% |
| Q2 2026 | $55.9M | $82.2M | 7.92% | 0.00% | 0.13% |
County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29231) · FFIEC NIC profile (RSSD 658072)