Jim Thorpe Neighborhood 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.
Loan-to-deposit ratio dropped 2.06 percentage points in Q2 2026, from 53.95% to 51.90%. It was the largest change from Q1 2026 among the key lines here. Jim Thorpe Neighborhood Bank has the 6th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 51.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Jim Thorpe Neighborhood Bank sits 28.94 points lower, at 51.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.5M |
| Net loans and leases | $124.2M |
| Loans held for sale | $0 |
| Loans to total assets | 47.36% |
| Loan-to-deposit ratio | 51.90% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.79% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 1.43% |
| Consumer | 2.73% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 10.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.62% |
| Construction concentration (Tier 1 capital + allowance) | 2.77% |
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 | 5.29% |
| Interest income on loans | $1.7M |
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 | $121.9M | $232.0M | 36.41% | 2.59% | 1.41% |
| Q4 2023 | $121.9M | $230.2M | 36.72% | 2.69% | 1.73% |
| Q1 2024 | $127.5M | $220.6M | 39.82% | 2.26% | 1.59% |
| Q2 2024 | $127.7M | $222.4M | 40.50% | 2.21% | 1.80% |
| Q3 2024 | $126.6M | $246.2M | 41.07% | 2.17% | 1.97% |
| Q4 2024 | $127.7M | $241.9M | 40.94% | 2.07% | 1.93% |
| Q1 2025 | $126.3M | $222.4M | 39.81% | 1.99% | 1.76% |
| Q2 2025 | $128.1M | $226.0M | 40.37% | 1.65% | 2.07% |
| Q3 2025 | $127.7M | $245.2M | 40.49% | 1.61% | 2.21% |
| Q4 2025 | $125.1M | $237.3M | 42.75% | 1.48% | 2.41% |
| Q1 2026 | $126.1M | $233.6M | 41.78% | 1.44% | 2.47% |
| Q2 2026 | $125.5M | $241.9M | 41.79% | 1.43% | 2.73% |
Jim Thorpe Neighborhood Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jim Thorpe Neighborhood 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 Jim Thorpe Neighborhood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7599) · FFIEC NIC profile (RSSD 920210)