West View 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): 5.39 percentage points lower than in Q1 2026, at 14.78%. West View Savings Bank ranks 90th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 72.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West View Savings Bank sits 7.99 points lower, at 72.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.1M |
| Net loans and leases | $88.5M |
| Loans held for sale | $0 |
| Loans to total assets | 24.40% |
| Loan-to-deposit ratio | 72.85% |
| Net loans to equity capital | 2.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.31% |
| Multifamily (5+ residential) | 1.22% |
| Commercial and industrial | 0.11% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| 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) | 14.78% |
| Construction concentration (Tier 1 capital + allowance) | 10.51% |
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 | $1.1M |
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 | $74.1M | $130.3M | 7.21% | 0.35% | 0.01% |
| Q4 2023 | $73.1M | $131.7M | 7.35% | 0.34% | 0.04% |
| Q1 2024 | $75.4M | $128.4M | 6.96% | 0.31% | 0.02% |
| Q2 2024 | $76.9M | $126.8M | 6.85% | 0.29% | 0.07% |
| Q3 2024 | $78.8M | $122.7M | 6.53% | 0.26% | 0.01% |
| Q4 2024 | $80.5M | $119.2M | 6.46% | 0.24% | 0.00% |
| Q1 2025 | $82.0M | $130.9M | 6.17% | 0.22% | 0.00% |
| Q2 2025 | $86.4M | $161.0M | 5.72% | 0.19% | 0.00% |
| Q3 2025 | $91.4M | $146.9M | 5.27% | 0.16% | 0.00% |
| Q4 2025 | $90.6M | $180.9M | 5.18% | 0.15% | 0.00% |
| Q1 2026 | $92.6M | $130.9M | 4.95% | 0.13% | 0.00% |
| Q2 2026 | $89.1M | $122.3M | 5.31% | 0.11% | 0.00% |
West View Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West View 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 West View Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27760) · FFIEC NIC profile (RSSD 842376)