The Juniata Valley 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): 17.84 percentage points higher than in Q1 2026, at 281.73%. Within Pennsylvania, The Juniata Valley Bank is 77th of 109 on loan-to-deposit ratio, 78.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Juniata Valley Bank reported 78.95% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $636.2M |
| Net loans and leases | $628.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.32% |
| Loan-to-deposit ratio | 78.95% |
| Net loans to equity capital | 10.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.11% |
| Multifamily (5+ residential) | 7.98% |
| Commercial and industrial | 10.82% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 6.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 281.73% |
| Construction concentration (Tier 1 capital + allowance) | 89.39% |
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 | 6.09% |
| Interest income on loans | $9.4M |
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 | $514.1M | $757.6M | 31.26% | 10.42% | 0.85% |
| Q4 2023 | $525.4M | $749.2M | 32.24% | 10.49% | 0.82% |
| Q1 2024 | $536.7M | $738.6M | 33.08% | 11.00% | 0.75% |
| Q2 2024 | $541.4M | $745.3M | 30.82% | 10.76% | 0.74% |
| Q3 2024 | $538.2M | $753.0M | 30.91% | 10.05% | 0.69% |
| Q4 2024 | $533.9M | $748.0M | 32.07% | 10.02% | 0.68% |
| Q1 2025 | $539.0M | $748.8M | 32.09% | 10.83% | 0.65% |
| Q2 2025 | $556.3M | $759.4M | 30.82% | 10.85% | 0.62% |
| Q3 2025 | $577.7M | $775.7M | 31.05% | 11.20% | 0.55% |
| Q4 2025 | $601.4M | $781.9M | 30.49% | 11.27% | 0.50% |
| Q1 2026 | $610.1M | $788.7M | 30.92% | 10.24% | 0.45% |
| Q2 2026 | $636.2M | $805.8M | 30.11% | 10.82% | 0.46% |
The Juniata Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Juniata Valley 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 The Juniata Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7614) · FFIEC NIC profile (RSSD 215710)