Lending less each year
Its loans fell 17% in 2025, while similar lenders (national banks making between half and twice as many loans) grew 2% and the whole market 10%. The decline is long: it made 173 loans in 2020 and fewer in every year since. Part of the fall may be a return from an unusually busy 2020; it made 85 loans in 2018. But 48 is lower even than that. Its share in Allentown-Bethlehem-Easton, where it ranked 92 of 521 lenders, held steady at 0.2%, and the figures do not show whether the bank chose to lend less.