The Philadelphia 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 Loan-to-deposit ratio: 23.18 percentage points higher than in Q1 2026, at 107.76%. Among 109 Pennsylvania banks, The Philadelphia Trust Company sits 9th from the top on loan-to-deposit ratio, 107.76% as of Q2 2026. The Philadelphia Trust Company's loan-to-deposit ratio of 107.76% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 39.84 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.5M |
| Net loans and leases | $6.4M |
| Loans held for sale | $0 |
| Loans to total assets | 23.47% |
| Loan-to-deposit ratio | 107.76% |
| Net loans to equity capital | 0.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.69% |
| Consumer | 43.44% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.07% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.17% |
| Interest income on loans | $91K |
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 | $4.0M | $4.7M | 23.03% | 8.99% | 57.50% |
| Q4 2023 | $5.6M | $4.9M | 16.21% | 6.39% | 70.19% |
| Q1 2024 | $5.5M | $5.3M | 16.31% | 6.50% | 70.14% |
| Q2 2024 | $7.1M | $4.9M | 12.43% | 4.99% | 55.79% |
| Q3 2024 | $7.6M | $5.5M | 11.50% | 6.56% | 51.50% |
| Q4 2024 | $8.1M | $5.9M | 9.44% | 6.15% | 50.85% |
| Q1 2025 | $8.1M | $5.5M | 9.38% | 6.19% | 53.01% |
| Q2 2025 | $8.0M | $5.6M | 9.33% | 6.24% | 52.82% |
| Q3 2025 | $8.3M | $6.3M | 8.89% | 6.02% | 54.64% |
| Q4 2025 | $5.6M | $6.8M | 18.34% | 8.95% | 28.78% |
| Q1 2026 | $5.3M | $6.3M | 19.18% | 9.43% | 27.36% |
| Q2 2026 | $6.5M | $6.0M | 15.48% | 7.69% | 43.44% |
The Philadelphia Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Philadelphia 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 The Philadelphia Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35075) · FFIEC NIC profile (RSSD 2796277)