The Turbotville National 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): 5.30 percentage points higher than in Q1 2026, at 37.63%. The Turbotville National Bank ranks 45th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Turbotville National Bank sits 8.88 points higher, at 89.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.5M |
| Net loans and leases | $180.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.54% |
| Loan-to-deposit ratio | 89.83% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.03% |
| Multifamily (5+ residential) | 1.84% |
| Commercial and industrial | 2.84% |
| Consumer | 1.39% |
| Credit cards | 0.00% |
| Farm | 39.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.63% |
| Construction concentration (Tier 1 capital + allowance) | 13.49% |
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 | 6.56% |
| Interest income on loans | $2.9M |
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 | $133.2M | $152.2M | 4.90% | 3.80% | 1.82% |
| Q4 2023 | $137.4M | $158.3M | 4.57% | 3.92% | 1.82% |
| Q1 2024 | $139.9M | $162.9M | 5.03% | 3.74% | 1.84% |
| Q2 2024 | $141.3M | $160.7M | 4.92% | 3.76% | 1.92% |
| Q3 2024 | $145.9M | $162.4M | 4.92% | 3.70% | 1.81% |
| Q4 2024 | $149.3M | $168.8M | 4.72% | 3.55% | 1.83% |
| Q1 2025 | $152.6M | $175.5M | 5.62% | 2.70% | 1.83% |
| Q2 2025 | $155.0M | $176.3M | 5.38% | 2.64% | 1.75% |
| Q3 2025 | $162.2M | $178.0M | 5.84% | 2.24% | 1.60% |
| Q4 2025 | $171.8M | $184.4M | 5.81% | 2.37% | 1.57% |
| Q1 2026 | $173.7M | $195.9M | 5.69% | 2.66% | 1.46% |
| Q2 2026 | $181.5M | $202.0M | 6.03% | 2.84% | 1.39% |
The Turbotville National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Turbotville National 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 The Turbotville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7789) · FFIEC NIC profile (RSSD 906410)