First National Bank of Pennsylvania: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
First National Bank of Pennsylvania reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $36.73B in Q3 2026, up 4.4% from $35.19B in Q3 2025. That is 70.7% of its total assets. Across the 12 quarters shown it ranged from $32.65B (Q1 2024) to $36.73B (Q3 2026).
CRE concentration (Tier 1 capital + allowance) dropped 8.32 percentage points in Q3 2026, from 175.88% to 167.56%. It was the largest change from Q2 2026 among the key lines here. First National Bank of Pennsylvania ranks 46th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 91.75% (Q3 2026). First National Bank of Pennsylvania reported 91.75% on loan-to-deposit ratio for Q3 2026, 5.79 points above the 85.97% median for banks in the $10B-100B asset tier.
Loan totals
Loans held for sale changed the most here, down 18.5% to $236.6M in Q3 2026 from $290.5M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $36.73B |
| Net loans and leases | $36.27B |
| Loans held for sale | $236.6M |
| Loans to total assets | 70.72% |
| Loan-to-deposit ratio | 91.75% |
| Net loans to equity capital | 5.37× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial and industrial moved most in this table, up 1.11 points: 20.11% in Q2 2026, 21.22% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.43% |
| Multifamily (5+ residential) | 2.53% |
| Commercial and industrial | 21.22% |
| Consumer | 3.24% |
| Credit cards | 0.05% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.56% |
| Construction concentration (Tier 1 capital + allowance) | 50.04% |
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
Yield on loans changed the most here, up 0.08 points to 5.60% in Q3 2026 from 5.52% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.60% |
| Interest income on loans | $496.4M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $32.77B | $35.14B | 27.29% | 22.21% | 5.23% |
| Q1 2024 | $32.65B | $35.08B | 26.48% | 21.95% | 4.20% |
| Q2 2024 | $33.85B | $35.38B | 26.13% | 20.73% | 4.21% |
| Q3 2024 | $33.87B | $37.13B | 26.16% | 20.53% | 2.70% |
| Q4 2024 | $34.12B | $38.09B | 25.90% | 20.00% | 2.80% |
| Q1 2025 | $34.38B | $38.16B | 25.79% | 19.91% | 2.96% |
| Q2 2025 | $34.93B | $38.60B | 25.25% | 19.50% | 2.94% |
| Q3 2025 | $35.19B | $38.92B | 24.86% | 19.42% | 2.81% |
| Q4 2025 | $35.26B | $39.12B | 24.44% | 19.50% | 2.79% |
| Q1 2026 | $35.39B | $39.27B | 24.00% | 20.35% | 2.72% |
| Q2 2026 | $36.01B | $39.07B | 23.52% | 20.11% | 2.96% |
| Q3 2026 | $36.73B | $40.03B | 22.43% | 21.22% | 3.24% |
First National Bank of Pennsylvania loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First National Bank of Pennsylvania profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 7888) · FFIEC NIC profile (RSSD 379920)