Slovenian Savings & Loan Association of Franklin-Conemaugh: 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.
Loan-to-deposit ratio climbed 1.46 percentage points in Q2 2026, from 70.73% to 72.19%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Slovenian Savings & Loan Association of Franklin-Conemaugh is 91st of 109 on loan-to-deposit ratio, 72.19% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Slovenian Savings & Loan Association of Franklin-Conemaugh sits 8.65 points lower, at 72.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.1M |
| Net loans and leases | $120.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.95% |
| Loan-to-deposit ratio | 72.19% |
| Net loans to equity capital | 9.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.88% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 0.00% |
| Consumer | 2.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.87% |
| Construction concentration (Tier 1 capital + allowance) | 12.72% |
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 | 4.82% |
| 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 | $108.3M | $153.2M | 0.72% | 0.00% | 3.69% |
| Q4 2023 | $108.6M | $151.9M | 0.67% | 0.00% | 3.54% |
| Q1 2024 | $108.3M | $154.6M | 0.55% | 0.00% | 3.36% |
| Q2 2024 | $108.7M | $157.9M | 0.53% | 0.00% | 3.10% |
| Q3 2024 | $109.8M | $158.9M | 0.62% | 0.00% | 2.86% |
| Q4 2024 | $110.6M | $156.7M | 0.59% | 0.00% | 2.70% |
| Q1 2025 | $111.7M | $159.8M | 0.67% | 0.00% | 2.48% |
| Q2 2025 | $113.2M | $162.0M | 0.64% | 0.00% | 2.80% |
| Q3 2025 | $115.3M | $163.4M | 0.61% | 0.00% | 2.84% |
| Q4 2025 | $118.1M | $164.2M | 0.91% | 0.00% | 2.67% |
| Q1 2026 | $119.0M | $168.2M | 0.89% | 0.00% | 2.53% |
| Q2 2026 | $121.1M | $167.7M | 0.88% | 0.00% | 2.50% |
Slovenian Savings & Loan Association of Franklin-Conemaugh loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Slovenian Savings & Loan Association of Franklin-Conemaugh, 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 Slovenian Savings & Loan Association of Franklin-Conemaugh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31994) · FFIEC NIC profile (RSSD 568377)