Fleetwood 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 16.18 percentage points in Q2 2026, from 119.99% to 136.17%. It was the largest change from Q1 2026 among the key lines here. Fleetwood Bank ranks 96th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 64.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fleetwood Bank sits 16.39 points lower, at 64.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.6M |
| Net loans and leases | $242.6M |
| Loans held for sale | $0 |
| Loans to total assets | 59.10% |
| Loan-to-deposit ratio | 64.44% |
| Net loans to equity capital | 8.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.25% |
| Multifamily (5+ residential) | 3.87% |
| Commercial and industrial | 9.87% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 2.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.17% |
| Construction concentration (Tier 1 capital + allowance) | 33.69% |
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 | — |
| Interest income on loans | $3.5M |
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 | $204.7M | $334.9M | 14.24% | 4.08% | 0.11% |
| Q4 2023 | $207.7M | $343.5M | 13.99% | 3.93% | 0.16% |
| Q1 2024 | $211.6M | $352.3M | 13.97% | 4.87% | 0.14% |
| Q2 2024 | $217.1M | $360.9M | 14.88% | 5.36% | 0.17% |
| Q3 2024 | $222.1M | $356.3M | 14.72% | 5.84% | 0.17% |
| Q4 2024 | $222.6M | $360.7M | 14.74% | 6.22% | 0.15% |
| Q1 2025 | $223.6M | $358.2M | 14.98% | 6.71% | 0.13% |
| Q2 2025 | $230.7M | $363.6M | 15.77% | 7.14% | 0.10% |
| Q3 2025 | $231.8M | $359.7M | 16.35% | 7.59% | 0.08% |
| Q4 2025 | $240.2M | $355.6M | 16.61% | 9.30% | 0.08% |
| Q1 2026 | $238.3M | $365.0M | 16.36% | 9.36% | 0.09% |
| Q2 2026 | $245.6M | $381.1M | 17.25% | 9.87% | 0.07% |
Fleetwood Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fleetwood 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 Fleetwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13561) · FFIEC NIC profile (RSSD 551016)