Greenville 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.82 percentage points higher than in Q1 2026, at 47.85%. On loan-to-deposit ratio, Greenville Savings Bank ranks 8th highest among the 109 banks headquartered in Pennsylvania, at 107.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Greenville Savings Bank sits 26.96 points higher, at 107.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $276.4M |
| Net loans and leases | $274.7M |
| Loans held for sale | $0 |
| Loans to total assets | 80.65% |
| Loan-to-deposit ratio | 107.80% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.95% |
| Multifamily (5+ residential) | 0.72% |
| Commercial and industrial | 2.08% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| 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) | 47.85% |
| Construction concentration (Tier 1 capital + allowance) | 27.51% |
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 | 5.55% |
| Interest income on loans | $3.8M |
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 | $249.4M | $248.6M | 10.36% | 1.84% | 1.39% |
| Q4 2023 | $252.1M | $245.1M | 10.04% | 1.72% | 1.23% |
| Q1 2024 | $250.2M | $245.5M | 8.92% | 2.30% | 1.16% |
| Q2 2024 | $254.2M | $242.4M | 8.16% | 2.40% | 0.98% |
| Q3 2024 | $252.7M | $248.4M | 8.03% | 2.36% | 0.83% |
| Q4 2024 | $256.8M | $247.5M | 7.75% | 1.98% | 0.79% |
| Q1 2025 | $257.7M | $255.9M | 7.34% | 2.31% | 0.88% |
| Q2 2025 | $261.6M | $258.5M | 7.08% | 2.33% | 1.00% |
| Q3 2025 | $268.2M | $253.7M | 6.86% | 2.38% | 1.03% |
| Q4 2025 | $271.7M | $254.6M | 6.33% | 2.25% | 1.25% |
| Q1 2026 | $273.0M | $259.7M | 6.09% | 2.18% | 1.49% |
| Q2 2026 | $276.4M | $256.4M | 5.95% | 2.08% | 1.10% |
Greenville Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenville 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 Greenville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30637) · FFIEC NIC profile (RSSD 357777)