Hometown Bank of Pennsylvania: 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) climbed 3.72 percentage points in Q2 2026, from 20.73% to 24.45%. It was the largest change from Q1 2026 among the key lines here. Hometown Bank of Pennsylvania ranks 57th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 86.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hometown Bank of Pennsylvania sits 5.17 points higher, at 86.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $357.1M |
| Net loans and leases | $353.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.67% |
| Loan-to-deposit ratio | 86.01% |
| Net loans to equity capital | 9.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.96% |
| Multifamily (5+ residential) | 5.56% |
| Commercial and industrial | 10.78% |
| Consumer | 3.40% |
| Credit cards | 0.00% |
| Farm | 17.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.96% |
| Construction concentration (Tier 1 capital + allowance) | 24.45% |
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 | 6.30% |
| Interest income on loans | $5.5M |
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 | $213.6M | $339.7M | 23.16% | 10.45% | 1.28% |
| Q4 2023 | $217.1M | $343.2M | 22.49% | 10.41% | 1.31% |
| Q1 2024 | $221.0M | $348.5M | 22.97% | 10.67% | 1.84% |
| Q2 2024 | $233.7M | $346.8M | 22.67% | 9.99% | 3.02% |
| Q3 2024 | $251.7M | $349.8M | 21.54% | 10.58% | 4.17% |
| Q4 2024 | $254.7M | $353.3M | 22.04% | 10.16% | 4.99% |
| Q1 2025 | $263.8M | $365.4M | 23.49% | 10.59% | 4.83% |
| Q2 2025 | $286.3M | $375.4M | 23.73% | 10.61% | 4.23% |
| Q3 2025 | $303.7M | $394.5M | 22.71% | 10.81% | 4.66% |
| Q4 2025 | $332.5M | $401.5M | 22.71% | 11.11% | 4.27% |
| Q1 2026 | $343.1M | $414.9M | 23.80% | 10.85% | 3.89% |
| Q2 2026 | $357.1M | $415.1M | 23.96% | 10.78% | 3.40% |
Hometown Bank of Pennsylvania loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Pennsylvania, 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 Hometown Bank of Pennsylvania profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58470) · FFIEC NIC profile (RSSD 3594087)