Jonestown Bank and Trust Company of Jonestown, 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 8.88 percentage points higher than in Q1 2026, at 33.82%. Within Pennsylvania, Jonestown Bank and Trust Company of Jonestown, Pennsylvania is 24th of 109 on loan-to-deposit ratio, 98.94% as of Q2 2026, above the middle of the field. Jonestown Bank and Trust Company of Jonestown, Pennsylvania reported 98.94% on loan-to-deposit ratio for Q2 2026, 10.74 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $826.0M |
| Net loans and leases | $816.0M |
| Loans held for sale | $1.4M |
| Loans to total assets | 82.18% |
| Loan-to-deposit ratio | 98.94% |
| Net loans to equity capital | 7.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.09% |
| Multifamily (5+ residential) | 4.68% |
| Commercial and industrial | 3.16% |
| Consumer | 31.00% |
| Credit cards | 0.00% |
| Farm | 1.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.43% |
| Construction concentration (Tier 1 capital + allowance) | 33.82% |
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 | 6.14% |
| Interest income on loans | $12.5M |
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 | $785.4M | $743.1M | 28.58% | 2.27% | 36.26% |
| Q4 2023 | $785.2M | $721.7M | 28.47% | 2.46% | 36.54% |
| Q1 2024 | $771.4M | $752.6M | 28.63% | 2.97% | 35.15% |
| Q2 2024 | $759.3M | $750.5M | 28.03% | 3.30% | 34.21% |
| Q3 2024 | $757.4M | $767.8M | 29.89% | 2.83% | 33.71% |
| Q4 2024 | $768.6M | $790.6M | 30.37% | 2.75% | 33.45% |
| Q1 2025 | $783.1M | $811.6M | 30.01% | 2.64% | 33.99% |
| Q2 2025 | $803.0M | $826.3M | 30.67% | 2.58% | 32.85% |
| Q3 2025 | $811.6M | $826.4M | 29.80% | 2.79% | 32.76% |
| Q4 2025 | $814.5M | $832.7M | 30.04% | 2.69% | 31.47% |
| Q1 2026 | $810.7M | $846.1M | 30.81% | 3.27% | 30.89% |
| Q2 2026 | $826.0M | $834.8M | 29.09% | 3.16% | 31.00% |
Jonestown Bank and Trust Company of Jonestown, Pennsylvania loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonestown Bank and Trust Company of Jonestown, 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 Jonestown Bank and Trust Company of Jonestown, Pennsylvania profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10677) · FFIEC NIC profile (RSSD 653611)