QNB 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): 23.93 percentage points higher than in Q1 2026, at 332.37%. QNB Bank ranks 66th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.95% (Q2 2026). QNB Bank reported 82.95% on loan-to-deposit ratio for Q2 2026, 5.25 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.72B |
| Net loans and leases | $1.70B |
| Loans held for sale | $395K |
| Loans to total assets | 72.30% |
| Loan-to-deposit ratio | 82.95% |
| Net loans to equity capital | 8.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.66% |
| Multifamily (5+ residential) | 12.32% |
| Commercial and industrial | 9.63% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 332.37% |
| Construction concentration (Tier 1 capital + allowance) | 56.89% |
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 | 6.24% |
| Interest income on loans | $26.6M |
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 | $1.06B | $1.48B | 39.98% | 11.81% | 0.34% |
| Q4 2023 | $1.09B | $1.49B | 38.86% | 12.16% | 0.32% |
| Q1 2024 | $1.12B | $1.54B | 39.21% | 12.80% | 0.31% |
| Q2 2024 | $1.16B | $1.57B | 39.71% | 12.32% | 0.29% |
| Q3 2024 | $1.17B | $1.63B | 39.76% | 12.33% | 0.29% |
| Q4 2024 | $1.22B | $1.63B | 39.18% | 12.26% | 0.27% |
| Q1 2025 | $1.21B | $1.67B | 39.20% | 12.33% | 0.26% |
| Q2 2025 | $1.22B | $1.65B | 40.26% | 11.86% | 0.25% |
| Q3 2025 | $1.25B | $1.68B | 40.54% | 10.46% | 0.23% |
| Q4 2025 | $1.26B | $1.64B | 41.06% | 10.81% | 0.22% |
| Q1 2026 | $1.28B | $1.66B | 40.69% | 11.19% | 0.20% |
| Q2 2026 | $1.72B | $2.07B | 42.66% | 9.63% | 0.25% |
QNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock QNB 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 QNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7714) · FFIEC NIC profile (RSSD 852713)