Infirst 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): 2.43 percentage points higher than in Q1 2026, at 137.93%. Within Pennsylvania, Infirst Bank is 27th of 109 on loan-to-deposit ratio, 98.41% as of Q2 2026, above the middle of the field. Infirst Bank reported 98.41% on loan-to-deposit ratio for Q2 2026, 17.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $602.9M |
| Net loans and leases | $596.0M |
| Loans held for sale | $0 |
| Loans to total assets | 88.25% |
| Loan-to-deposit ratio | 98.41% |
| Net loans to equity capital | 9.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.00% |
| Multifamily (5+ residential) | 4.29% |
| Commercial and industrial | 9.53% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 1.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 137.93% |
| Construction concentration (Tier 1 capital + allowance) | 18.90% |
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 | 6.37% |
| Interest income on loans | $9.5M |
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 | $479.7M | $470.1M | 12.85% | 8.40% | 1.03% |
| Q4 2023 | $487.4M | $477.0M | 12.54% | 8.65% | 0.96% |
| Q1 2024 | $498.1M | $500.8M | 12.55% | 9.04% | 0.95% |
| Q2 2024 | $509.0M | $519.6M | 12.51% | 9.03% | 1.04% |
| Q3 2024 | $523.3M | $526.9M | 12.95% | 9.09% | 1.08% |
| Q4 2024 | $537.3M | $543.0M | 13.01% | 9.14% | 1.15% |
| Q1 2025 | $556.3M | $560.0M | 13.03% | 10.42% | 1.19% |
| Q2 2025 | $569.3M | $578.6M | 13.26% | 10.38% | 1.19% |
| Q3 2025 | $580.4M | $600.2M | 13.29% | 10.09% | 1.13% |
| Q4 2025 | $584.4M | $596.9M | 13.59% | 9.70% | 1.10% |
| Q1 2026 | $594.0M | $604.4M | 13.38% | 9.85% | 1.08% |
| Q2 2026 | $602.9M | $612.7M | 14.00% | 9.53% | 1.05% |
Infirst Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Infirst 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 Infirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27763) · FFIEC NIC profile (RSSD 904171)