The Neffs National 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) climbed 2.62 percentage points in Q2 2026, from 83.40% to 86.03%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, The Neffs National Bank is 93rd of 109 on loan-to-deposit ratio, 69.42% as of Q2 2026, below the middle of the field. The Neffs National Bank reported 69.42% on loan-to-deposit ratio for Q2 2026, 11.42 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $258.2M |
| Net loans and leases | $255.9M |
| Loans held for sale | $0 |
| Loans to total assets | 54.84% |
| Loan-to-deposit ratio | 69.42% |
| Net loans to equity capital | 3.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.12% |
| Multifamily (5+ residential) | 0.26% |
| Commercial and industrial | 1.42% |
| Consumer | 9.72% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.03% |
| Construction concentration (Tier 1 capital + allowance) | 0.73% |
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 | 5.38% |
| Interest income on loans | $3.4M |
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 | $237.5M | $373.0M | 28.46% | 3.45% | 7.35% |
| Q4 2023 | $233.3M | $373.4M | 26.82% | 3.70% | 7.66% |
| Q1 2024 | $238.3M | $373.5M | 27.78% | 2.01% | 9.34% |
| Q2 2024 | $236.6M | $371.9M | 26.83% | 1.96% | 9.67% |
| Q3 2024 | $239.9M | $374.4M | 26.65% | 2.01% | 10.01% |
| Q4 2024 | $238.6M | $369.4M | 27.81% | 1.50% | 10.36% |
| Q1 2025 | $245.6M | $360.8M | 30.32% | 1.51% | 10.08% |
| Q2 2025 | $248.5M | $360.3M | 30.31% | 1.50% | 10.27% |
| Q3 2025 | $254.0M | $363.0M | 31.47% | 1.54% | 10.32% |
| Q4 2025 | $253.8M | $359.4M | 31.87% | 1.56% | 10.20% |
| Q1 2026 | $254.4M | $365.3M | 32.48% | 1.50% | 9.94% |
| Q2 2026 | $258.2M | $371.9M | 33.12% | 1.42% | 9.72% |
The Neffs National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Neffs National 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 Neffs National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7646) · FFIEC NIC profile (RSSD 144913)