Port Richmond Savings: 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): 63.91 percentage points lower than in Q1 2026, at 65.40%. Among 109 Pennsylvania banks, Port Richmond Savings sits 2nd from the top on loan-to-deposit ratio, 144.90% as of Q2 2026. Port Richmond Savings's loan-to-deposit ratio of 144.90% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 77.27 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.1M |
| Net loans and leases | $87.0M |
| Loans held for sale | $0 |
| Loans to total assets | 90.62% |
| Loan-to-deposit ratio | 144.90% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.41% |
| Multifamily (5+ residential) | 0.42% |
| Commercial and industrial | 5.32% |
| Consumer | 0.00% |
| 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) | 65.40% |
| 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 | 6.53% |
| Interest income on loans | $1.4M |
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 | $84.0M | $60.8M | 33.02% | 5.48% | 0.00% |
| Q4 2023 | $89.4M | $61.8M | 37.78% | 4.73% | 0.00% |
| Q1 2024 | $87.5M | $62.6M | 37.72% | 4.72% | 0.00% |
| Q2 2024 | $89.5M | $59.7M | 40.39% | 2.57% | 0.00% |
| Q3 2024 | $88.6M | $56.9M | 41.43% | 2.90% | 0.00% |
| Q4 2024 | $89.6M | $59.5M | 42.55% | 4.30% | 0.00% |
| Q1 2025 | $88.1M | $60.8M | 41.55% | 5.09% | 0.00% |
| Q2 2025 | $86.5M | $58.3M | 39.77% | 4.91% | 0.00% |
| Q3 2025 | $86.7M | $59.6M | 40.65% | 4.42% | 0.00% |
| Q4 2025 | $86.9M | $59.7M | 40.65% | 4.11% | 0.00% |
| Q1 2026 | $84.2M | $60.5M | 40.27% | 3.98% | 0.00% |
| Q2 2026 | $88.1M | $60.8M | 40.41% | 5.32% | 0.00% |
Port Richmond Savings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Port Richmond Savings, 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 Port Richmond Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27385) · FFIEC NIC profile (RSSD 1225798)