SSB 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 Construction concentration (Tier 1 capital + allowance): 7.81 percentage points higher than in Q1 2026, at 53.52%. Within Pennsylvania, SSB Bank is 84th of 109 on loan-to-deposit ratio, 76.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. SSB Bank sits 3.71 points lower, at 76.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $290.8M |
| Net loans and leases | $287.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.57% |
| Loan-to-deposit ratio | 76.85% |
| Net loans to equity capital | 9.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.17% |
| Multifamily (5+ residential) | 2.74% |
| Commercial and industrial | 16.33% |
| Consumer | 3.37% |
| Credit cards | 0.08% |
| 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) | 186.26% |
| Construction concentration (Tier 1 capital + allowance) | 53.52% |
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 | 5.81% |
| Interest income on loans | $4.1M |
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 | $231.1M | $245.4M | 22.36% | 19.81% | 3.44% |
| Q4 2023 | $243.7M | $245.5M | 21.94% | 17.66% | 4.11% |
| Q1 2024 | $256.9M | $258.1M | 20.42% | 17.30% | 4.94% |
| Q2 2024 | $263.6M | $259.8M | 20.59% | 16.29% | 5.00% |
| Q3 2024 | $265.0M | $275.1M | 21.23% | 16.15% | 5.05% |
| Q4 2024 | $267.9M | $270.4M | 22.12% | 15.32% | 4.65% |
| Q1 2025 | $264.1M | $282.9M | 21.49% | 16.20% | 4.76% |
| Q2 2025 | $267.9M | $305.7M | 21.70% | 16.13% | 4.46% |
| Q3 2025 | $274.7M | $316.0M | 21.10% | 16.54% | 4.06% |
| Q4 2025 | $280.8M | $318.8M | 21.09% | 17.75% | 3.67% |
| Q1 2026 | $283.0M | $383.7M | 20.85% | 16.47% | 3.45% |
| Q2 2026 | $290.8M | $378.5M | 20.17% | 16.33% | 3.37% |
SSB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SSB 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 SSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30431) · FFIEC NIC profile (RSSD 277277)