PB Bankshares Results Presentation Deck
Commercial Real Estate (CRE)
Portfolio
Stress Test
Completed 75% or
$101 million of CRE
portfolio.
CRE Portfolio average
loan-to-value ratio is
58.4%.
Debt service coverage
ratio 1.31 times without
sponsor or guarantor
support.
• Property type is diverse
and there is no
●
geographic
concentration.
Office Exposure
$8.2 million in non-
owner occupied office
space.
• 4 loans comprise office
segment, which all are
loans in medical space
not subject to general
market office issues.
• Average loan-to-value
ratio is 73.6%.
• Debt service coverage
ratio 1.52 times
exclusive of sponsor or
guarantor support.
PRESENCEBANK.COM
●
Hospitality Exposure
• $17.4 million in flagship
hotel loans.
●
●
• Average loan-to-value
is 56.4%
●
5 loans comprise the
hotel portfolio.
●
Debt service coverage
ratio 1.76 times
exclusive of any
sponsor or guarantor
support.
Guarantors have strong
liquidity and are
experienced local
operators.
Management is monitoring the commercial real estate portfolio
and concentration, assessing its associated risks.
כןן.
PRESENCE
ΒΑΝΚ
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