Huntingdon 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 Loan-to-deposit ratio: 1.87 percentage points higher than in Q1 2026, at 103.64%. Huntingdon Savings Bank ranks 14th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 103.64% (Q2 2026). Huntingdon Savings Bank's loan-to-deposit ratio of 103.64% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 36.01 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.3M |
| Net loans and leases | $14.2M |
| Loans held for sale | $0 |
| Loans to total assets | 79.93% |
| Loan-to-deposit ratio | 103.64% |
| Net loans to equity capital | 3.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.02% |
| Multifamily (5+ residential) | 1.43% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| 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) | 13.48% |
| Construction concentration (Tier 1 capital + allowance) | 1.48% |
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 | 5.14% |
| Interest income on loans | $180K |
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 | $14.2M | $12.3M | 2.03% | 0.00% | 0.00% |
| Q4 2023 | $14.4M | $12.7M | 1.60% | 0.00% | 0.00% |
| Q1 2024 | $14.5M | $13.3M | 2.46% | 0.00% | 0.00% |
| Q2 2024 | $14.4M | $12.8M | 2.41% | 0.00% | 0.00% |
| Q3 2024 | $13.8M | $13.6M | 2.45% | 0.00% | 0.00% |
| Q4 2024 | $14.0M | $13.6M | 2.38% | 0.00% | 0.00% |
| Q1 2025 | $13.6M | $13.8M | 2.38% | 0.00% | 0.00% |
| Q2 2025 | $13.6M | $13.9M | 2.28% | 0.00% | 0.00% |
| Q3 2025 | $13.7M | $13.7M | 2.20% | 0.00% | 0.00% |
| Q4 2025 | $13.8M | $13.4M | 2.17% | 0.00% | 0.00% |
| Q1 2026 | $13.8M | $13.6M | 2.12% | 0.00% | 0.00% |
| Q2 2026 | $14.3M | $13.8M | 2.02% | 0.00% | 0.00% |
Huntingdon Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Huntingdon 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 Huntingdon Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30031) · FFIEC NIC profile (RSSD 646471)