First National Bank & Trust Company of Newtown: 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 dropped 1.47 percentage points in Q2 2026, from 52.26% to 50.79%. It was the largest change from Q1 2026 among the key lines here. First National Bank & Trust Company of Newtown has the 4th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 50.79% as of Q2 2026. First National Bank & Trust Company of Newtown reported 50.79% on loan-to-deposit ratio for Q2 2026, 37.41 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $516.6M |
| Net loans and leases | $512.9M |
| Loans held for sale | $0 |
| Loans to total assets | 44.30% |
| Loan-to-deposit ratio | 50.79% |
| Net loans to equity capital | 4.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.00% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 0.89% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 11.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.28% |
| Construction concentration (Tier 1 capital + allowance) | 6.30% |
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 | 5.23% |
| Interest income on loans | $6.7M |
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 | $432.5M | $1.05B | 34.53% | 1.21% | 0.50% |
| Q4 2023 | $436.0M | $1.01B | 33.80% | 1.16% | 0.48% |
| Q1 2024 | $443.5M | $1.00B | 32.75% | 1.14% | 0.42% |
| Q2 2024 | $442.6M | $994.8M | 32.75% | 1.09% | 0.52% |
| Q3 2024 | $449.8M | $944.0M | 33.06% | 1.07% | 0.57% |
| Q4 2024 | $456.8M | $936.1M | 32.16% | 1.19% | 0.69% |
| Q1 2025 | $467.1M | $960.8M | 32.02% | 1.18% | 0.63% |
| Q2 2025 | $476.3M | $978.0M | 31.13% | 1.45% | 0.55% |
| Q3 2025 | $491.3M | $935.0M | 30.76% | 1.26% | 0.51% |
| Q4 2025 | $504.9M | $956.8M | 30.31% | 0.90% | 0.45% |
| Q1 2026 | $508.1M | $972.4M | 29.96% | 1.34% | 0.74% |
| Q2 2026 | $516.6M | $1.02B | 31.00% | 0.89% | 0.59% |
First National Bank & Trust Company of Newtown loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust Company of Newtown, 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 National Bank & Trust Company of Newtown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7658) · FFIEC NIC profile (RSSD 1007417)