Firstrust Savings 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.
CRE concentration (Tier 1 capital + allowance) climbed 9.66 percentage points in Q2 2026, from 232.53% to 242.18%. It was the largest change from Q1 2026 among the key lines here. Firstrust Savings Bank ranks 29th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 97.23% (Q2 2026). Firstrust Savings Bank reported 97.23% on loan-to-deposit ratio for Q2 2026, 9.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.63B |
| Net loans and leases | $4.56B |
| Loans held for sale | $209.4M |
| Loans to total assets | 82.39% |
| Loan-to-deposit ratio | 97.23% |
| Net loans to equity capital | 7.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.66% |
| Multifamily (5+ residential) | 2.70% |
| Commercial and industrial | 27.62% |
| Consumer | 5.36% |
| Credit cards | 0.02% |
| 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) | 242.18% |
| Construction concentration (Tier 1 capital + allowance) | 77.03% |
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 | 6.39% |
| Interest income on loans | $70.4M |
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 | $4.27B | $3.92B | 29.34% | 25.22% | 8.98% |
| Q4 2023 | $4.21B | $4.16B | 30.82% | 25.95% | 7.05% |
| Q1 2024 | $4.08B | $4.41B | 31.88% | 26.20% | 4.59% |
| Q2 2024 | $4.22B | $3.86B | 30.73% | 26.94% | 5.89% |
| Q3 2024 | $4.38B | $4.02B | 28.77% | 25.44% | 9.95% |
| Q4 2024 | $4.51B | $4.18B | 29.52% | 25.45% | 10.58% |
| Q1 2025 | $4.48B | $4.13B | 30.00% | 26.23% | 9.03% |
| Q2 2025 | $4.40B | $4.10B | 31.72% | 26.70% | 5.29% |
| Q3 2025 | $4.69B | $4.49B | 30.44% | 24.70% | 10.19% |
| Q4 2025 | $4.72B | $4.74B | 30.44% | 24.92% | 9.86% |
| Q1 2026 | $4.46B | $4.76B | 32.05% | 25.26% | 5.44% |
| Q2 2026 | $4.63B | $4.76B | 31.66% | 27.62% | 5.36% |
Firstrust Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstrust Savings 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 Firstrust Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26647) · FFIEC NIC profile (RSSD 932978)