First Resource 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): 8.63 percentage points higher than in Q1 2026, at 454.10%. First Resource Bank ranks 30th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 96.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Resource Bank sits 16.37 points higher, at 96.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $726.9M |
| Net loans and leases | $721.1M |
| Loans held for sale | $0 |
| Loans to total assets | 86.44% |
| Loan-to-deposit ratio | 96.93% |
| Net loans to equity capital | 10.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.34% |
| Multifamily (5+ residential) | 14.60% |
| Commercial and industrial | 5.63% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 454.10% |
| Construction concentration (Tier 1 capital + allowance) | 134.88% |
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 | 6.74% |
| Interest income on loans | $12.0M |
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 | $518.3M | $486.1M | 38.11% | 6.72% | 0.11% |
| Q4 2023 | $531.4M | $499.4M | 36.97% | 7.28% | 0.10% |
| Q1 2024 | $550.0M | $513.3M | 38.08% | 7.00% | 0.10% |
| Q2 2024 | $573.6M | $536.7M | 36.69% | 7.04% | 0.09% |
| Q3 2024 | $583.2M | $548.4M | 36.94% | 7.41% | 0.09% |
| Q4 2024 | $598.5M | $553.4M | 36.58% | 7.25% | 0.08% |
| Q1 2025 | $605.0M | $575.0M | 36.65% | 6.92% | 0.09% |
| Q2 2025 | $624.8M | $600.7M | 37.98% | 7.04% | 0.08% |
| Q3 2025 | $655.3M | $631.7M | 38.52% | 6.90% | 0.07% |
| Q4 2025 | $678.5M | $730.2M | 38.93% | 6.45% | 0.07% |
| Q1 2026 | $705.3M | $722.6M | 37.22% | 6.25% | 0.02% |
| Q2 2026 | $726.9M | $749.9M | 36.34% | 5.63% | 0.04% |
First Resource Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Resource 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 First Resource Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57967) · FFIEC NIC profile (RSSD 3349241)