The Pitney Bowes Bank Inc.: 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.
Commercial and industrial dropped 2.87 percentage points in Q2 2026, from 68.40% to 65.53%. It was the largest change from Q1 2026 among the key lines here. The Pitney Bowes Bank Inc. ranks 33rd of 44 Utah banks on loan-to-deposit ratio, in the lower half at 69.51% (Q2 2026). The Pitney Bowes Bank Inc. reported 69.51% on loan-to-deposit ratio for Q2 2026, 11.32 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $470.2M |
| Net loans and leases | $462.3M |
| Loans held for sale | $0 |
| Loans to total assets | 59.04% |
| Loan-to-deposit ratio | 69.51% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.45% |
| Commercial and industrial | 65.53% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.77% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.96% |
| 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 | 11.42% |
| Interest income on loans | $9.7M |
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 | $305.7M | $740.3M | 0.00% | 83.67% | 0.00% |
| Q4 2023 | $340.5M | $741.4M | 0.00% | 82.19% | 0.00% |
| Q1 2024 | $341.4M | $712.3M | 0.00% | 83.72% | 0.00% |
| Q2 2024 | $342.2M | $741.6M | 0.00% | 81.49% | 0.00% |
| Q3 2024 | $343.9M | $754.8M | 0.00% | 79.16% | 0.00% |
| Q4 2024 | $370.1M | $731.8M | 0.00% | 77.98% | 0.00% |
| Q1 2025 | $414.3M | $701.1M | 0.00% | 76.52% | 0.00% |
| Q2 2025 | $439.7M | $684.0M | 0.00% | 74.91% | 0.00% |
| Q3 2025 | $468.2M | $673.0M | 0.00% | 73.34% | 0.00% |
| Q4 2025 | $478.8M | $675.2M | 0.00% | 71.48% | 0.00% |
| Q1 2026 | $473.5M | $705.4M | 0.00% | 68.40% | 0.00% |
| Q2 2026 | $470.2M | $676.4M | 0.00% | 65.53% | 0.00% |
The Pitney Bowes Bank Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pitney Bowes Bank Inc., 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 Pitney Bowes Bank Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34599) · FFIEC NIC profile (RSSD 2649177)