Elderton State 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): 6.41 percentage points lower than in Q1 2026, at 126.93%. On loan-to-deposit ratio, Elderton State Bank ranks 6th highest among the 109 banks headquartered in Pennsylvania, at 109.48% (Q2 2026). Elderton State Bank reported 109.48% on loan-to-deposit ratio for Q2 2026, 28.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $393.7M |
| Net loans and leases | $388.7M |
| Loans held for sale | $0 |
| Loans to total assets | 84.64% |
| Loan-to-deposit ratio | 109.48% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.00% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 24.40% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 13.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.93% |
| Construction concentration (Tier 1 capital + allowance) | 6.36% |
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 | 6.57% |
| Interest income on loans | $6.4M |
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 | $306.4M | $290.6M | 36.12% | 20.05% | 1.20% |
| Q4 2023 | $312.2M | $303.4M | 35.77% | 20.33% | 1.23% |
| Q1 2024 | $313.7M | $306.7M | 35.49% | 20.98% | 1.28% |
| Q2 2024 | $315.2M | $306.7M | 34.88% | 22.03% | 1.29% |
| Q3 2024 | $314.3M | $310.7M | 34.37% | 21.86% | 1.31% |
| Q4 2024 | $326.5M | $318.9M | 35.43% | 20.88% | 1.23% |
| Q1 2025 | $339.1M | $328.9M | 35.41% | 22.68% | 1.27% |
| Q2 2025 | $350.9M | $333.9M | 37.04% | 22.54% | 1.20% |
| Q3 2025 | $358.4M | $335.4M | 36.52% | 22.33% | 1.14% |
| Q4 2025 | $368.3M | $345.0M | 37.85% | 21.41% | 1.01% |
| Q1 2026 | $382.2M | $357.3M | 38.13% | 22.13% | 0.94% |
| Q2 2026 | $393.7M | $359.6M | 37.00% | 24.40% | 0.96% |
Elderton State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Elderton State 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 Elderton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12985) · FFIEC NIC profile (RSSD 282824)