Penn Community 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 6.24 percentage points in Q2 2026, from 224.76% to 231.01%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Penn Community Bank is 43rd of 109 on loan-to-deposit ratio, 90.31% as of Q2 2026, above the middle of the field. At 90.31%, Penn Community Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.23B |
| Net loans and leases | $2.21B |
| Loans held for sale | $0 |
| Loans to total assets | 72.52% |
| Loan-to-deposit ratio | 90.31% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.88% |
| Multifamily (5+ residential) | 21.01% |
| Commercial and industrial | 6.73% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 231.01% |
| Construction concentration (Tier 1 capital + allowance) | 44.84% |
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 | 5.57% |
| Interest income on loans | $30.2M |
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 | $1.88B | $2.15B | 24.63% | 5.45% | 0.10% |
| Q4 2023 | $1.91B | $2.16B | 25.42% | 5.36% | 0.09% |
| Q1 2024 | $1.92B | $2.21B | 25.76% | 5.46% | 0.10% |
| Q2 2024 | $1.93B | $2.25B | 25.57% | 5.32% | 0.10% |
| Q3 2024 | $1.93B | $2.27B | 25.34% | 5.30% | 0.10% |
| Q4 2024 | $1.92B | $2.31B | 25.36% | 4.53% | 0.10% |
| Q1 2025 | $1.99B | $2.30B | 24.72% | 4.62% | 0.09% |
| Q2 2025 | $2.07B | $2.41B | 24.27% | 4.87% | 0.08% |
| Q3 2025 | $2.18B | $2.39B | 22.78% | 5.62% | 0.07% |
| Q4 2025 | $2.11B | $2.42B | 22.78% | 5.74% | 0.07% |
| Q1 2026 | $2.15B | $2.43B | 23.16% | 6.42% | 0.07% |
| Q2 2026 | $2.23B | $2.46B | 22.88% | 6.73% | 0.07% |
Penn Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Penn Community 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 Penn Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30401) · FFIEC NIC profile (RSSD 328777)