Harleysville 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) dropped 4.59 percentage points in Q2 2026, from 289.16% to 284.57%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Harleysville Bank is 22nd of 109 on loan-to-deposit ratio, 99.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Harleysville Bank sits 18.28 points higher, at 99.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $712.8M |
| Net loans and leases | $707.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.98% |
| Loan-to-deposit ratio | 99.11% |
| Net loans to equity capital | 7.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.27% |
| Multifamily (5+ residential) | 8.28% |
| Commercial and industrial | 2.25% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 284.57% |
| Construction concentration (Tier 1 capital + allowance) | 4.05% |
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 | $9.7M |
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 | $639.1M | $651.7M | 35.60% | 2.18% | 0.08% |
| Q4 2023 | $653.1M | $650.7M | 35.23% | 2.21% | 0.07% |
| Q1 2024 | $655.0M | $665.4M | 35.33% | 2.19% | 0.07% |
| Q2 2024 | $674.0M | $665.3M | 35.06% | 2.36% | 0.07% |
| Q3 2024 | $684.3M | $669.1M | 35.02% | 2.50% | 0.06% |
| Q4 2024 | $689.9M | $694.8M | 35.55% | 2.62% | 0.07% |
| Q1 2025 | $699.2M | $704.8M | 35.17% | 2.45% | 0.06% |
| Q2 2025 | $709.3M | $697.0M | 35.07% | 2.36% | 0.05% |
| Q3 2025 | $713.7M | $677.1M | 34.24% | 2.29% | 0.05% |
| Q4 2025 | $708.2M | $686.8M | 34.20% | 2.32% | 0.04% |
| Q1 2026 | $706.3M | $708.4M | 33.31% | 2.08% | 0.07% |
| Q2 2026 | $712.8M | $719.2M | 32.27% | 2.25% | 0.07% |
Harleysville Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Harleysville 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 Harleysville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31461) · FFIEC NIC profile (RSSD 139478)