First Federal Savings and Loan Association of Greene County: 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.
Loan-to-deposit ratio climbed 2.79 percentage points in Q2 2026, from 80.55% to 83.35%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings and Loan Association of Greene County ranks 63rd of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 83.35% (Q2 2026). First Federal Savings and Loan Association of Greene County reported 83.35% on loan-to-deposit ratio for Q2 2026, 4.86 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $726.6M |
| Net loans and leases | $724.7M |
| Loans held for sale | $0 |
| Loans to total assets | 70.41% |
| Loan-to-deposit ratio | 83.35% |
| Net loans to equity capital | 4.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.64% |
| Multifamily (5+ residential) | 0.69% |
| Commercial and industrial | 0.00% |
| Consumer | 0.47% |
| 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) | 20.03% |
| Construction concentration (Tier 1 capital + allowance) | 13.85% |
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 | 4.49% |
| Interest income on loans | $8.0M |
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 | $667.6M | $877.1M | 1.16% | 0.00% | 0.49% |
| Q4 2023 | $667.8M | $878.9M | 1.19% | 0.00% | 0.39% |
| Q1 2024 | $664.8M | $895.5M | 1.18% | 0.00% | 0.40% |
| Q2 2024 | $663.2M | $886.1M | 1.23% | 0.00% | 0.39% |
| Q3 2024 | $669.0M | $877.6M | 1.64% | 0.00% | 0.44% |
| Q4 2024 | $673.2M | $866.0M | 1.67% | 0.00% | 0.37% |
| Q1 2025 | $674.4M | $856.0M | 1.70% | 0.00% | 0.33% |
| Q2 2025 | $678.6M | $857.4M | 1.57% | 0.00% | 0.33% |
| Q3 2025 | $693.7M | $840.4M | 1.52% | 0.00% | 0.40% |
| Q4 2025 | $702.7M | $852.6M | 1.55% | 0.00% | 0.40% |
| Q1 2026 | $706.8M | $877.4M | 1.55% | 0.00% | 0.44% |
| Q2 2026 | $726.6M | $871.8M | 1.64% | 0.00% | 0.47% |
First Federal Savings and Loan Association of Greene County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Greene County, 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 First Federal Savings and Loan Association of Greene County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28706) · FFIEC NIC profile (RSSD 624778)