Reliance Savings 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): 7.87 percentage points higher than in Q1 2026, at 136.54%. Reliance Savings Bank ranks 28th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 98.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Reliance Savings Bank sits 17.43 points higher, at 98.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $502.8M |
| Net loans and leases | $498.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.49% |
| Loan-to-deposit ratio | 98.27% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.95% |
| Multifamily (5+ residential) | 7.37% |
| Commercial and industrial | 4.13% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 13.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.54% |
| Construction concentration (Tier 1 capital + allowance) | 19.17% |
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 | — |
| Interest income on loans | $7.3M |
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 | $420.4M | $509.7M | 23.22% | 5.58% | 1.43% |
| Q4 2023 | $433.4M | $529.8M | 24.24% | 5.27% | 1.37% |
| Q1 2024 | $439.4M | $522.8M | 24.08% | 4.93% | 1.32% |
| Q2 2024 | $441.2M | $505.9M | 24.38% | 4.90% | 1.29% |
| Q3 2024 | $447.5M | $521.1M | 23.72% | 4.70% | 1.24% |
| Q4 2024 | $458.6M | $536.3M | 24.77% | 4.44% | 1.19% |
| Q1 2025 | $471.5M | $519.0M | 26.89% | 4.33% | 1.12% |
| Q2 2025 | $473.4M | $499.8M | 25.89% | 4.17% | 1.14% |
| Q3 2025 | $481.2M | $502.8M | 25.33% | 4.07% | 1.11% |
| Q4 2025 | $482.5M | $530.5M | 23.97% | 3.93% | 1.09% |
| Q1 2026 | $489.4M | $520.6M | 23.68% | 3.88% | 1.07% |
| Q2 2026 | $502.8M | $511.7M | 23.95% | 4.13% | 0.99% |
Reliance Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliance Savings 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 Reliance Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30117) · FFIEC NIC profile (RSSD 743679)