Pendleton Community Bank, Inc.: 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): 5.16 percentage points lower than in Q1 2026, at 205.58%. Among 41 West Virginia banks, Pendleton Community Bank, Inc. sits 4th from the top on loan-to-deposit ratio, 99.04% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pendleton Community Bank, Inc. sits 18.21 points higher, at 99.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $711.7M |
| Net loans and leases | $705.6M |
| Loans held for sale | $0 |
| Loans to total assets | 83.76% |
| Loan-to-deposit ratio | 99.04% |
| Net loans to equity capital | 9.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.85% |
| Multifamily (5+ residential) | 3.89% |
| Commercial and industrial | 4.78% |
| Consumer | 22.13% |
| Credit cards | 0.00% |
| Farm | 3.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.58% |
| Construction concentration (Tier 1 capital + allowance) | 65.45% |
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 | 6.55% |
| Interest income on loans | $11.3M |
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 | $593.9M | $635.0M | 18.42% | 6.51% | 20.17% |
| Q4 2023 | $589.9M | $619.4M | 18.27% | 6.59% | 19.36% |
| Q1 2024 | $601.6M | $646.3M | 17.12% | 6.72% | 20.47% |
| Q2 2024 | $607.4M | $651.6M | 17.18% | 6.49% | 20.36% |
| Q3 2024 | $618.6M | $667.1M | 16.87% | 6.37% | 21.37% |
| Q4 2024 | $627.8M | $667.0M | 16.89% | 5.97% | 21.63% |
| Q1 2025 | $624.8M | $682.3M | 20.81% | 5.11% | 22.35% |
| Q2 2025 | $645.5M | $688.2M | 20.01% | 5.09% | 22.13% |
| Q3 2025 | $647.5M | $700.3M | 19.92% | 4.96% | 22.33% |
| Q4 2025 | $682.4M | $699.4M | 19.28% | 5.25% | 21.37% |
| Q1 2026 | $691.2M | $707.3M | 19.43% | 4.99% | 21.73% |
| Q2 2026 | $711.7M | $718.6M | 18.85% | 4.78% | 22.13% |
Pendleton Community Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pendleton Community Bank, Inc., 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 Pendleton Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6176) · FFIEC NIC profile (RSSD 370020)