Sewickley 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 Commercial real estate (nonfarm nonresidential): 4.39 percentage points lower than in Q1 2026, at 39.03%. On loan-to-deposit ratio, Sewickley Savings Bank is 2nd from the bottom among 109 Pennsylvania banks, 30.05% (Q2 2026). Sewickley Savings Bank's loan-to-deposit ratio of 30.05% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 50.79 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.8M |
| Net loans and leases | $66.3M |
| Loans held for sale | $0 |
| Loans to total assets | 21.13% |
| Loan-to-deposit ratio | 30.05% |
| Net loans to equity capital | 0.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.03% |
| Multifamily (5+ residential) | 1.69% |
| Commercial and industrial | 5.55% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.94% |
| Construction concentration (Tier 1 capital + allowance) | 0.31% |
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 | $753K |
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 | $49.6M | $210.7M | 61.58% | 1.20% | 0.42% |
| Q4 2023 | $49.0M | $208.9M | 62.30% | 1.22% | 0.13% |
| Q1 2024 | $48.2M | $210.7M | 62.87% | 1.24% | 0.09% |
| Q2 2024 | $47.1M | $209.5M | 62.39% | 1.20% | 0.08% |
| Q3 2024 | $46.8M | $210.0M | 62.42% | 1.20% | 0.08% |
| Q4 2024 | $46.3M | $209.8M | 62.95% | 1.22% | 0.09% |
| Q1 2025 | $48.0M | $213.2M | 60.10% | 1.17% | 0.93% |
| Q2 2025 | $50.3M | $214.7M | 58.33% | 3.03% | 0.85% |
| Q3 2025 | $49.9M | $215.1M | 50.72% | 4.13% | 0.88% |
| Q4 2025 | $55.3M | $221.6M | 46.36% | 5.35% | 0.47% |
| Q1 2026 | $59.5M | $226.8M | 43.42% | 6.38% | 0.20% |
| Q2 2026 | $66.8M | $222.4M | 39.03% | 5.55% | 0.16% |
Sewickley Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sewickley 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 Sewickley Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30154) · FFIEC NIC profile (RSSD 678070)