PCSB 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 Loan-to-deposit ratio: 2.57 percentage points higher than in Q1 2026, at 61.02%. Within Iowa, PCSB Bank is 189th of 225 on loan-to-deposit ratio, 61.02% as of Q2 2026. PCSB Bank reported 61.02% on loan-to-deposit ratio for Q2 2026, 19.54 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $179.4M |
| Net loans and leases | $177.4M |
| Loans held for sale | $0 |
| Loans to total assets | 55.02% |
| Loan-to-deposit ratio | 61.02% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.30% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.85% |
| Consumer | 3.46% |
| Credit cards | 0.00% |
| Farm | 33.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.49% |
| Construction concentration (Tier 1 capital + allowance) | 5.90% |
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 | 6.53% |
| Interest income on loans | $2.9M |
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 | $173.9M | $285.6M | 12.83% | 10.48% | 4.37% |
| Q4 2023 | $178.6M | $295.5M | 13.08% | 10.44% | 4.09% |
| Q1 2024 | $172.4M | $290.2M | 13.38% | 11.13% | 4.20% |
| Q2 2024 | $172.1M | $290.2M | 13.94% | 11.35% | 3.98% |
| Q3 2024 | $172.8M | $298.5M | 14.04% | 11.69% | 3.90% |
| Q4 2024 | $172.8M | $307.4M | 14.28% | 11.14% | 3.83% |
| Q1 2025 | $172.6M | $298.7M | 14.23% | 11.25% | 3.65% |
| Q2 2025 | $175.4M | $291.1M | 13.65% | 9.35% | 3.45% |
| Q3 2025 | $175.0M | $297.0M | 13.30% | 9.29% | 3.47% |
| Q4 2025 | $181.3M | $306.8M | 13.19% | 9.08% | 3.24% |
| Q1 2026 | $176.5M | $301.9M | 13.96% | 9.98% | 3.20% |
| Q2 2026 | $179.4M | $294.0M | 14.30% | 9.85% | 3.46% |
PCSB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PCSB 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 PCSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14522) · FFIEC NIC profile (RSSD 188449)