Pennian 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 10.98 percentage points in Q2 2026, from 138.88% to 149.86%. It was the largest change from Q1 2026 among the key lines here. Pennian Bank ranks 83rd of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 77.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pennian Bank sits 3.56 points lower, at 77.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $447.4M |
| Net loans and leases | $442.0M |
| Loans held for sale | $638K |
| Loans to total assets | 66.98% |
| Loan-to-deposit ratio | 77.28% |
| Net loans to equity capital | 8.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.23% |
| Multifamily (5+ residential) | 8.59% |
| Commercial and industrial | 13.94% |
| Consumer | 0.68% |
| Credit cards | 0.00% |
| Farm | 10.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.86% |
| Construction concentration (Tier 1 capital + allowance) | 15.11% |
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 | 5.65% |
| Interest income on loans | $6.1M |
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 | $475.6M | $591.7M | 23.24% | 11.73% | 1.94% |
| Q4 2023 | $472.6M | $560.6M | 23.02% | 12.27% | 1.76% |
| Q1 2024 | $473.2M | $589.4M | 22.58% | 13.01% | 1.54% |
| Q2 2024 | $470.3M | $584.6M | 21.86% | 13.19% | 1.39% |
| Q3 2024 | $464.7M | $565.8M | 21.17% | 12.84% | 1.25% |
| Q4 2024 | $454.9M | $584.0M | 20.98% | 13.45% | 1.12% |
| Q1 2025 | $447.9M | $577.4M | 21.48% | 13.74% | 1.02% |
| Q2 2025 | $442.1M | $591.0M | 21.37% | 13.97% | 0.95% |
| Q3 2025 | $436.8M | $570.3M | 21.77% | 13.89% | 0.89% |
| Q4 2025 | $434.1M | $573.7M | 20.64% | 13.84% | 0.83% |
| Q1 2026 | $428.7M | $569.9M | 19.95% | 13.47% | 0.79% |
| Q2 2026 | $447.4M | $578.9M | 20.23% | 13.94% | 0.68% |
Pennian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pennian 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 Pennian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7613) · FFIEC NIC profile (RSSD 212018)