The Pennsville 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 26.28 percentage points lower than in Q1 2026, at 21.62%. Within New Jersey, The Pennsville National Bank is 43rd of 49 on loan-to-deposit ratio, 52.24% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Pennsville National Bank sits 28.60 points lower, at 52.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.5M |
| Net loans and leases | $130.1M |
| Loans held for sale | $0 |
| Loans to total assets | 46.65% |
| Loan-to-deposit ratio | 52.24% |
| Net loans to equity capital | 4.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.46% |
| Multifamily (5+ residential) | 1.16% |
| Commercial and industrial | 8.03% |
| Consumer | 9.94% |
| Credit cards | 0.57% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 21.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.62% |
| Construction concentration (Tier 1 capital + allowance) | 14.83% |
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 | 5.68% |
| Interest income on loans | $1.8M |
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 | $81.9M | $261.7M | 7.80% | 5.00% | 4.98% |
| Q4 2023 | $83.3M | $268.1M | 7.54% | 5.96% | 7.16% |
| Q1 2024 | $88.2M | $263.7M | 7.17% | 6.09% | 8.22% |
| Q2 2024 | $90.6M | $252.5M | 6.77% | 7.49% | 9.88% |
| Q3 2024 | $96.7M | $251.0M | 5.71% | 8.38% | 9.56% |
| Q4 2024 | $103.8M | $259.2M | 5.22% | 9.98% | 8.49% |
| Q1 2025 | $105.6M | $262.2M | 5.81% | 9.10% | 9.73% |
| Q2 2025 | $110.5M | $253.2M | 4.71% | 10.01% | 11.28% |
| Q3 2025 | $116.3M | $255.1M | 4.36% | 10.03% | 11.28% |
| Q4 2025 | $127.4M | $258.0M | 7.02% | 8.72% | 11.43% |
| Q1 2026 | $126.0M | $260.4M | 7.11% | 8.72% | 10.72% |
| Q2 2026 | $131.5M | $251.6M | 7.46% | 8.03% | 9.94% |
The Pennsville National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pennsville 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 Pennsville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19978) · FFIEC NIC profile (RSSD 828110)