Marion Center 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): 4.84 percentage points lower than in Q1 2026, at 147.99%. Marion Center Bank ranks 65th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.95% (Q2 2026). At 82.95%, Marion Center Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $319.8M |
| Net loans and leases | $316.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.20% |
| Loan-to-deposit ratio | 82.95% |
| Net loans to equity capital | 11.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.81% |
| Multifamily (5+ residential) | 2.42% |
| Commercial and industrial | 15.17% |
| Consumer | 2.80% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.99% |
| Construction concentration (Tier 1 capital + allowance) | 21.42% |
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 | 5.84% |
| Interest income on loans | $4.6M |
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 | $295.7M | $358.2M | 27.87% | 15.83% | 2.94% |
| Q4 2023 | $301.1M | $359.0M | 27.62% | 15.49% | 2.89% |
| Q1 2024 | $301.6M | $364.8M | 28.18% | 15.05% | 2.81% |
| Q2 2024 | $302.9M | $366.6M | 27.32% | 15.12% | 2.71% |
| Q3 2024 | $304.6M | $367.0M | 27.43% | 14.86% | 3.07% |
| Q4 2024 | $303.0M | $362.1M | 26.94% | 14.70% | 3.79% |
| Q1 2025 | $307.0M | $382.1M | 27.90% | 14.38% | 3.73% |
| Q2 2025 | $313.8M | $383.1M | 28.23% | 15.02% | 3.47% |
| Q3 2025 | $310.9M | $381.7M | 28.70% | 14.64% | 3.27% |
| Q4 2025 | $309.9M | $380.0M | 28.57% | 14.54% | 3.12% |
| Q1 2026 | $310.5M | $384.8M | 27.04% | 14.91% | 2.95% |
| Q2 2026 | $319.8M | $385.5M | 27.81% | 15.17% | 2.80% |
Marion Center Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Center 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 Marion Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7909) · FFIEC NIC profile (RSSD 947525)