Peoples Security Bank and Trust Company: 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): 5.74 percentage points higher than in Q1 2026, at 289.69%. Peoples Security Bank and Trust Company ranks 31st of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 95.43% (Q2 2026). Peoples Security Bank and Trust Company reported 95.43% on loan-to-deposit ratio for Q2 2026, 7.23 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.30B |
| Net loans and leases | $4.26B |
| Loans held for sale | $718K |
| Loans to total assets | 79.21% |
| Loan-to-deposit ratio | 95.43% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.95% |
| Multifamily (5+ residential) | 10.10% |
| Commercial and industrial | 17.00% |
| Consumer | 2.26% |
| Credit cards | 0.00% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 289.69% |
| Construction concentration (Tier 1 capital + allowance) | 56.22% |
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 | 5.86% |
| Interest income on loans | $61.5M |
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 | $2.87B | $3.37B | 39.26% | 13.29% | 2.97% |
| Q4 2023 | $2.85B | $3.28B | 39.05% | 13.09% | 2.87% |
| Q1 2024 | $2.86B | $3.21B | 39.52% | 13.04% | 2.73% |
| Q2 2024 | $2.87B | $3.07B | 39.54% | 12.88% | 2.57% |
| Q3 2024 | $4.07B | $4.64B | 35.75% | 18.50% | 3.50% |
| Q4 2024 | $3.99B | $4.41B | 35.71% | 17.49% | 3.31% |
| Q1 2025 | $3.99B | $4.32B | 34.99% | 17.64% | 3.05% |
| Q2 2025 | $4.00B | $4.29B | 35.97% | 17.92% | 2.93% |
| Q3 2025 | $4.02B | $4.29B | 35.55% | 17.20% | 2.80% |
| Q4 2025 | $4.07B | $4.44B | 34.70% | 17.51% | 2.66% |
| Q1 2026 | $4.19B | $4.43B | 35.21% | 16.85% | 2.37% |
| Q2 2026 | $4.30B | $4.51B | 34.95% | 17.00% | 2.26% |
Peoples Security Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Security Bank and Trust Company, 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 Peoples Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7514) · FFIEC NIC profile (RSSD 278818)