Meridian 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.
Cre concentration (tier 1 capital + allowance) dropped 8.32 percentage points in Q2 2026, from 290.74% to 282.42%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Meridian Bank is 17th of 109 on loan-to-deposit ratio, 101.49% as of Q2 2026, above the middle of the field. Meridian Bank reported 101.49% on loan-to-deposit ratio for Q2 2026, 13.29 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.23B |
| Net loans and leases | $2.21B |
| Loans held for sale | $54.9M |
| Loans to total assets | 86.16% |
| Loan-to-deposit ratio | 101.49% |
| Net loans to equity capital | 8.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.11% |
| Multifamily (5+ residential) | 4.57% |
| Commercial and industrial | 20.90% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 282.42% |
| Construction concentration (Tier 1 capital + allowance) | 128.23% |
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 | 6.91% |
| Interest income on loans | $37.6M |
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 | $1.91B | $1.81B | 26.78% | 18.18% | 0.02% |
| Q4 2023 | $1.92B | $1.83B | 27.80% | 18.57% | 0.02% |
| Q1 2024 | $1.99B | $1.90B | 27.92% | 18.99% | 0.02% |
| Q2 2024 | $2.04B | $1.92B | 28.07% | 19.26% | 0.02% |
| Q3 2024 | $2.05B | $1.98B | 29.28% | 20.02% | 0.02% |
| Q4 2024 | $2.06B | $2.01B | 29.78% | 20.13% | 0.02% |
| Q1 2025 | $2.10B | $2.13B | 29.79% | 20.13% | 0.02% |
| Q2 2025 | $2.15B | $2.11B | 29.16% | 20.41% | 0.02% |
| Q3 2025 | $2.19B | $2.14B | 28.80% | 20.71% | 0.02% |
| Q4 2025 | $2.20B | $2.16B | 29.83% | 20.88% | 0.01% |
| Q1 2026 | $2.22B | $2.17B | 29.56% | 21.27% | 0.01% |
| Q2 2026 | $2.23B | $2.20B | 30.11% | 20.90% | 0.01% |
Meridian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Meridian 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 Meridian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57777) · FFIEC NIC profile (RSSD 3271799)