Journey 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.
Loans to total assets climbed 3.37 percentage points in Q2 2026, from 68.98% to 72.35%. It was the largest change from Q1 2026 among the key lines here. Journey Bank ranks 60th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 84.20% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Journey Bank sits 4.00 points lower, at 84.20% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.20B |
| Loans held for sale | $1.4M |
| Loans to total assets | 72.35% |
| Loan-to-deposit ratio | 84.20% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.68% |
| Multifamily (5+ residential) | 6.80% |
| Commercial and industrial | 4.94% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 1.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 169.63% |
| Construction concentration (Tier 1 capital + allowance) | 32.91% |
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 | 6.76% |
| Interest income on loans | $20.0M |
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 | $556.9M | $641.6M | 21.19% | 5.86% | 1.11% |
| Q4 2023 | $1.07B | $1.15B | 22.33% | 5.03% | 1.52% |
| Q1 2024 | $1.08B | $1.21B | 22.35% | 5.55% | 1.47% |
| Q2 2024 | $1.10B | $1.27B | 22.39% | 5.58% | 1.45% |
| Q3 2024 | $1.11B | $1.29B | 21.14% | 5.37% | 1.44% |
| Q4 2024 | $1.13B | $1.29B | 21.31% | 4.50% | 1.40% |
| Q1 2025 | $1.15B | $1.34B | 21.58% | 4.97% | 1.30% |
| Q2 2025 | $1.16B | $1.36B | 21.74% | 4.94% | 1.21% |
| Q3 2025 | $1.17B | $1.40B | 21.62% | 5.05% | 1.14% |
| Q4 2025 | $1.18B | $1.41B | 21.74% | 5.24% | 1.04% |
| Q1 2026 | $1.18B | $1.46B | 22.68% | 5.20% | 0.99% |
| Q2 2026 | $1.21B | $1.43B | 22.68% | 4.94% | 1.01% |
Journey Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Journey 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 Journey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 686) · FFIEC NIC profile (RSSD 881012)