Westmoreland Federal Savings and Loan Association of Latrobe: 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 Loan-to-deposit ratio: 1.55 percentage points higher than in Q1 2026, at 57.59%. On loan-to-deposit ratio, Westmoreland Federal Savings and Loan Association of Latrobe is 10th from the bottom among 109 Pennsylvania banks, 57.59% (Q2 2026). Westmoreland Federal Savings and Loan Association of Latrobe reported 57.59% on loan-to-deposit ratio for Q2 2026, 23.25 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.6M |
| Net loans and leases | $69.2M |
| Loans held for sale | $0 |
| Loans to total assets | 41.81% |
| Loan-to-deposit ratio | 57.59% |
| Net loans to equity capital | 1.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| 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) | 2.65% |
| Construction concentration (Tier 1 capital + allowance) | 2.65% |
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 | 4.07% |
| Interest income on loans | $712K |
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 | $73.6M | $121.0M | 0.05% | 0.00% | 0.00% |
| Q4 2023 | $73.7M | $121.8M | 0.05% | 0.00% | 0.00% |
| Q1 2024 | $72.2M | $124.0M | 0.04% | 0.00% | 0.00% |
| Q2 2024 | $72.2M | $122.2M | 0.03% | 0.00% | 0.00% |
| Q3 2024 | $70.9M | $121.7M | 0.03% | 0.00% | 0.41% |
| Q4 2024 | $69.2M | $123.6M | 0.03% | 0.00% | 0.01% |
| Q1 2025 | $68.6M | $122.0M | 0.02% | 0.00% | 0.01% |
| Q2 2025 | $68.4M | $121.5M | 0.02% | 0.00% | 0.01% |
| Q3 2025 | $71.2M | $120.6M | 0.02% | 0.00% | 0.00% |
| Q4 2025 | $70.2M | $121.6M | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $68.9M | $123.0M | 0.00% | 0.00% | 0.00% |
| Q2 2026 | $69.6M | $120.9M | 0.00% | 0.00% | 0.00% |
Westmoreland Federal Savings and Loan Association of Latrobe loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Westmoreland Federal Savings and Loan Association of Latrobe, 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 Westmoreland Federal Savings and Loan Association of Latrobe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30551) · FFIEC NIC profile (RSSD 188177)