Hamlin Bank and Trust Company: 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.
Construction concentration (tier 1 capital + allowance) fell 0.73 percentage points from Q1 2026 to Q2 2026, ending at 1.11% against 1.84%. It was the largest change among the key lines on this page. Within Pennsylvania, Hamlin Bank and Trust Company is 78th of 109 on loan-to-deposit ratio, 78.25% as of Q2 2026, below the middle of the field. Hamlin Bank and Trust Company reported 78.25% on loan-to-deposit ratio for Q2 2026, 2.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $304.6M |
| Net loans and leases | $301.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.52% |
| Loan-to-deposit ratio | 78.25% |
| Net loans to equity capital | 2.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.99% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 1.93% |
| Consumer | 6.70% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.04% |
| Construction concentration (Tier 1 capital + allowance) | 1.11% |
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 | 6.03% |
| Interest income on loans | $4.6M |
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 | $268.9M | $328.1M | 4.59% | 2.47% | 8.28% |
| Q4 2023 | $275.1M | $323.3M | 4.38% | 2.39% | 7.97% |
| Q1 2024 | $279.0M | $319.4M | 4.64% | 2.42% | 7.81% |
| Q2 2024 | $280.9M | $322.0M | 4.85% | 2.39% | 7.83% |
| Q3 2024 | $286.7M | $327.6M | 4.89% | 2.54% | 7.68% |
| Q4 2024 | $290.9M | $332.7M | 5.19% | 2.23% | 7.36% |
| Q1 2025 | $292.4M | $347.0M | 5.41% | 2.26% | 7.06% |
| Q2 2025 | $292.5M | $350.6M | 5.47% | 2.21% | 7.16% |
| Q3 2025 | $298.7M | $356.9M | 5.49% | 2.18% | 7.10% |
| Q4 2025 | $303.6M | $373.3M | 5.45% | 2.12% | 6.84% |
| Q1 2026 | $302.5M | $389.0M | 5.70% | 1.99% | 6.62% |
| Q2 2026 | $304.6M | $389.3M | 5.99% | 1.93% | 6.70% |
Hamlin Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hamlin Bank and Trust Company, 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 Hamlin Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11113) · FFIEC NIC profile (RSSD 291611)